SME Corporate Credit Analysis

Fitch Learning
Course summary
3 days
2,995 GBP excl. VAT
Online courses
Next available date: Enquire for more information - Online courses
Professional Training

Course description

SME Corporate Credit Analysis

*With many businesses now working from home, we have introduced virtual learning so we can continue to deliver high quality training to the financial community as we accommodate this new way of working. Since 2003, Fitch Learning has been delivering virtual learning programs to clients and learners. Building on this extensive experience, we are now able to offer a range of public courses in a live online environment, whilst ensuring you will get the same value as you would in our classroom courses.

SME Corporate Credit Analysis 

Intermediate | 24 CPD pts | 3 Days

The overall goal of this course is to build analytic skills needed to evaluate the credit standing of small and medium sized enterprises. The workshop will demonstrate how to combine a qualitative assessment of the company and its management with a quantitative analysis of its performance. Case studies will form an integral part of the course, allowing participants to apply the concepts acquired during the course to a real-life scenario.

This course will equip participants to:

  • Apply a structured approach to assess the creditworthiness of a small or medium sized company
  • Evaluate the commercial viability of the business model and management’s ability to deliver to plan
  • Assess the performance of a SME company based on qualitative and quantitative frameworks and tools
  • Use a cash flow approach to ascertain a company’s ability to service/refinance its debt as it comes due
  • Understand the key funding sources available to SMEs 

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Suitability - Who should attend?

Anyone with an interest in building or further enhancing analytic skills needed to assess SME exposures: Financial professionals in a credit risk, asset investment or relationship management role, as well as those engaged in the assessment of counterparty risk from an underwriting viewpoint or trade debtor exposure. Regulators or those in a supervisory role with an interest in understanding the underlying credit assessment needed in the organizations or departments they assess. Participants are expected to be familiar with financial statements. 

Outcome / Qualification etc.

On completion of this SME Corporate Credit Analysis Course a certificate will be provided to all participants.

Training Course Content

Day One

Analytic Overview

Introduction of the four-step approach to any risk exposure: Purpose of transaction, sources of repayment, risks to repayment and the structure of debt or exposure needed to safeguard repayment.

Macro Considerations

Macro risks in the operating environment and industrial or service sector a borrower operates in.

Management and Ownership

The role and strategy of the management team as well the influence and control of shareholders are assessed.

Business Profile

Understanding a company’s business strategy in the context of sector, country of operation and shareholder requirements.

Financial Profile – Cash Flow and Profitability

Assessment of the quality and stability of earnings and cash flows from operations needed to finance operations and capital investments (‘Business Risk’).

Day Two

Financial Profile – Cash Flow and Profitability (continued)

Asset investment and efficiency

Financial Profile – Funding Structure and Financial Flexibility

Capital structure and funding instruments used

Financial Profile – Financial Flexibility

Day Three

Debt Structure

Overview of main elements of debt structures used in SME financing.

Final Group Case Study

The aim of the final group case study is to allow participants to apply the framework and tools of credit analysis to a company and make a concise and conclusive presentation to the group on the final day of the course:

  • Companies used for the group case studies vary per location of the course and will be provided for reading in the evening of the penultimate day
  • Preparation and presentation of a complete credit analysis in small groups of two to five participants takes place on the last day

Please visit the Fitch Learning website for the full course overview.

Why choose Fitch Learning

9 in 10 would recommend us to a colleague

Over 1,300 clients worldwide

CPD recognized

About provider

Fitch Learning

Live Online Training Since 2003, Fitch Learning’s industry experts have been delivering world-renowned virtual training programs to learners across the globe. Benefits include: World-class video conferencing technology  Fully interactive, engage and network with peers using break out rooms, quizzes and...

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Fitch Learning

17th Floor, 25 Canada Square
E14 5LQ Canary Wharf London

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Average rating 5

Based on 3 reviews.

In my 20 years of industry experience, attending many courses, this course stands out as one of the best. The trainer demonstrated an abundant market knowledge to facilitate our learning. Lisa Ironside, Llyods Banking Group
Another brilliant course. I have learnt a lot and have many ideas to take back to my job. The trainer was very engaging and made me feel very comfortable asking questions. Sophie Bonner, ICAP
Informative course. Good involvement of the entire class. Good use of case studies. Garima Kothari - DEPFA Bank
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