Description

This hands-on two day training is designed to explain the use of credit products in private banking portfolios. You will learn how to assess client's risk profile, portfolio and business value. Through practical case studies and exercises you will analyse client and company balance sheets and cash flows and estimate their credit needs.

You will also learn to appraise business projects and explore the mechanisms of the credit approval process as well as assess the impact of leveraging.

Finally, you will explore the range of credit products, including structured products, which can be offered to customers, understand their characteristics and estimate impact of customer's insolvency on the bank.

Main Topics Covered During This Training

• Review of credit products for private clients
• Overview of the accounting issues: balance sheet, income and cash flow statement
• Use of the ratios and trend analysis
• Project appraisal and WACC calculations
• Project analysis
• Leverage risk and return
• Assessing the impact from leveraging
• The use credit structured products in private clients' portfolio
• The CAMEL rating system
• Client's due diligence
• Assessing client's portfolio value and business situation
• Assessing consequences for the bank of client's insolvency
• Risk and collateral assessment

What Will You Learn By The End Of This Training

By the end of this course you will be able to:

• Enhance your product offer to private clients of a range of credit products
• Understand the pros and cons of different credit products
• Assess the client's credit needs
• Understand the impacts of credit leverage
• Appraise a business project
• Explore the mechanisms of credit approval
• Analyse the Lombard value of a portfolio
• Understand credit structured products

Who Should Attend

From Private Banks, Wealth Management, Family Offices,Commercial Banks, Consultancies and Accountancies: 

• Managing Directors, Heads of Departments and Senior Managers
• Investment and Relationship Managers
• Portfolio Managers
• Credit Analysts
• Structured Products Managers
• Risk Management
• Credit Risk
• Advisors

Teaching Method

This is a very interactive course with many exercises, classroom discussions and case studies. Case studies will be developed to reflect the bank’s private client base for varying profiles of private client.

You will benefit from comprehensive take away course documentation.

In order to help us establish your individual and business concerns, you will be asked to fill pre-course questionnaire.

Because of the nature of the course the number of places is limited and will be filled on first come, first accepted basis. We advise to book in advance in order to avoid disappointment.