Corporate Banking Learning Courses
Relationship officers are in the driving seat of Large Corporate Client Relationships with considerable responsibility for developing a mutually beneficial and profitable relationship between their clients and the bank.
Relationship Officers also set the pace of how the relationship grows, but their performance will depend on the acquisition of relevant knowledge, capabilities, and implementation of winning strategies to achieve results.
These training programs at ONE GOAL ACADEMY are designed to equip Relationship Officers with the required basic overall skills, knowledge and understanding required to achieve results expected by their organization as a corporate banker.
Who should attend?
- Commercial and Corporate Bankers
- Credit Analysts
- Bankers transferring from non-core lending departments to lending-related relationship management
- Participant may not necessarily be familiar with financial statements
Learning Courses
- Financial Statement Analysis 1: Profit &Loss and Balance Sheet statements
- Basic Loan Structuring / Loan Types
- Company and Industry Analysis
- Corporate Risk Analysis
- Loan Monitoring / Early Warning Signals for Deteriorating Loans
- Financial statement Analysis 2: Cash Flow Analysis
- Financial Modelling
- Review of Nigerian Economy
- International Trade Finance and Payments
Financial Statement Analysis 1:
Profit &Loss and Balance Sheet statements
Overview
A basic introductory course designed to enable loan officers gain the skills required to effectively analyze financial statements and understand the risks related to lending to specific customers. Major Focus will be on using the income statement and balance sheet to assess the creditworthiness of a borrower.
Agenda
1. Accounting for / and types of Revenues and Expenses
2. Types of Assets and liabilities
3. Working Capital and Networth
4. On / off balance sheet asset types.
5. Detailed and comprehensive Ratio Analysis
Duration
1 day
Basic Loan Structuring And Loan types
Overview
Aid Loan and Relationship Officers to understand the most effective way to build the terms and conditions of a loan to ensure that it meets the requirements of the borrower while also protecting the lender / bank against loss that may result from the failure of the borrower to repay the loan in an orderly fashion.
Agenda
1. Identifying the financing requirement and to Understand the cash conversion cycle of a business
2. Overview of Various loan types
3. Matching the bank product type to the loan purpose
4. Fundamentals of Loan Structuring
5. The fundamentals of Loan Product papers
Duration
1 day
Company and Industry Analysis
Overview
The learning program will equip the participants with the skills required to undertake a thorough study to determine a company’s health by reviewing its corporate structure, feasibility and to take stock of its present position. This is, in addition, to be able to understand the industry in which the company operates as both of these have a major impact on the loan performance
Agenda
1. Company structure covering analysis of management, the board of directors, and shareholders.
2. How to carry out a review of the existing business.
3. SWOT Analysis
4. Industry Analysis with a case study on two specific industry types
Duration
1 day
Risk Analysis of Borrowing Clients
Overview
Relationship officers need to be equipped to assess the probability of adverse event occurring within the company, industry, government, or international space. This course will provide a full understanding of risk types that corporates are susceptible to, while also providing clarity on which risks are applicable to different industry sectors. The focus of this course is to minimize possible future unforeseen events as it relates to a borrowing client.
Agenda
1. Understanding Risk Analysis
2. Exploring Mitigants to identified risks
3. Knowing which risks are acceptable and which ones are not.
Duration
1 day
Loan Monitoring / Early Warning Signals for Deteriorating Loans
Overview
It’s not enough to book a loan. It’s also important to monitor the loan until the loan is fully repaid. Sometimes orderly repayment is threatened due to changes in the company, the industry, and the economy. Therefore relationship officers need to carefully and regularly monitor the loan to be able to detect and signs of deterioration early enough
Agenda
1. Causes and definition of non-performing loans
2. Instituting Financial covenants as a tool to track loan performance
3. Benefits of early detection of deteriorating loans
4. Early Warning Signals including liquidity, financial and behavioral indicators
5. Types of Loan Monitoring and the need for Periodic reviews
6. Immediate action steps required following the identification of loan deterioration
Duration
1 day
Financial Statement Analysis 2:
Cash Flow Analysis
Overview
Cashflow repays loans and not historic profits. This course teaches the ability to review cash flows and apply it to credit risk analysis.
Agenda
1. Understand the basics of cash flow analysis
2. Analyze cashflows from operations, investment, and financing
3. Cashflow assumptions and adjusted cashflows
4. How to analyse Cashflow projections for lending decisions
Duration
1 day
BASIC FINANCIAL MODELING
Overview
Cashflow repays loans and not historic profits. This course teaches the ability to review cash flows and apply it to credit risk analysis.
Agenda
1. Understand the basics of cash flow analysis
2. Analyze cashflows from operations, investment, and financing
3. Cashflow assumptions and adjusted cashflows
4. How to analyse Cashflow projections for lending decisions
Duration
1 day
UNDERSTANDING THE NIGERIAN ECONOMY
Overview
The economy and economics trends naturally affects business and loan performance. This course will highlight economics trends and equip Relationship and lending officers with the insight to identify and follow economic trends while watching out for the effect on their client’s businesses.
Agenda
1. Economic Indicators and domestic economic performance
2. Government policy watch
3. Budget analysis and impact on business
4. Fiscal and Monetary policy
5. Stock Market Analysis
6. Impact of politics on the economy
Duration
1 day