An Interactive 5-Day Training Course
The Global Standard in Credit Analysis
Managing and Modelling Credit Risk
Course Overview
The world financial crisis clearly highlights the need for greater awareness of credit risk and improved credit risk evaluation techniques. Not only can poor credit analysis lead to the downfall of banks but more alarmingly to the downfall of the economy. In addition, the impact of events such as Coronavirus demonstrates just how volatile markets can be and what important role banks play in financing the economy.
This GLOMACS training course on Global Standard in Credit Analysis will help the delegates to enhance their skills and knowledge to analyse company performance via an examination of financial statements, business plans and market/economic indicators in order to manage credit risk and develop credit risk models based on sound international risk management policies. Hence minimising risk to ensure sustained profitability and maximise returns.
This GLOMACS training course will highlight:
- The Credit Risk Environment
- Methods of Finance and Associated Risks
- How to Evaluate Credit Risk?
- How to Develop or Use Financial Models to Evaluate Risk?
- How to manage and Control a Credit Portfolio?
Training Outline
DAY 1: The Credit Risk Environment
- Sources of Credit Risk
- The Risk-Return Trade-Off
- External Factors – Coronavirus, Interest Rates, Inflation, Recession, Exchange Rates, Oil Prices Etc
- Establishing a Credit Risk Strategy & Implementing Credit Limits
- Operating under a sound Credit Policies
- Concentration Risk & Exposure Limits – Establishing a Diverse Credit Portfolio & Aggregate Group Position
DAY 2: Methods of Finance & Associated Risk
- Evaluating the Need for Finance
- Methods of Finance
- Asset Finance
- Working Capital Finance
- Improving & Evaluating the Cash Flow Cycle
- International Trade Finance: Letters of Credit, Bonds & Country Risk
DAY 3: Evaluating Credit Risk
- Business & Industry Analysis - Evaluating Business Plans & Businesses
- Evaluating Financial Statements
- Financial Ratio Analysis to evaluate Profitability, Liquidity, Operations, and Leverage
- Distress Models – identifying companies in danger of liquidation
- The use of RAROC (Risk-Adjusted Return on Capital) in Credit Decisions
- Stress Testing Credit – assessing the impact of changing market & economic conditions
DAY 4: Modelling Credit Analysis & Price
- Internal Credit Rating Systems
- Credit Risk Modelling – Credit Scoring; Distress Models & Value at Risk Models
- Risk-Based Pricing – rates and fees
- Computer-Based Models to Evaluate and Price for Credit Risk
- Bond Rating & Credit Risk/ Value at Risk Modelling
- Pricing for Risk and Basle/Regulations
DAY 5: Managing Credit Risk - from Credit Agreements to Debt Recovery
- Facility Structuring; Credit Agreements & Covenants
- Monitoring & Controlling Credit – the Early Warning Signs and Dealing with Potential Bad Debts
- Credit Insurance
- Collateral – from taking to realizing
- Credit Derivatives – CDS & CDO’s - learning lessons from the past
- Refiniancing, Funding Recovery & Restructuring of Debt
Certificates
- On successful completion of this training course, GLOMACS Certificate will be awarded to the delegates
- Continuing Professional Education credits (CPE) : In accordance with the standards of the National Registry of CPE Sponsor, one CPE credit is granted per 50 minutes of attendance
Accreditation
GLOMACS is registered with NASBA as a sponsor of Continuing Professional Education (CPE) on the National Registry of CPE Sponsors. NASBA have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org.
All Training Seminars delivered by GLOMACS by default are eligible for CPE Credit.
Providers and Associations
About Saudi Glomacs
At Saudi GLOMACS, we specialize in delivering world-class training courses in Saudi Arabia and across various international locations. Our training courses are tailored to meet the unique demands of Saudi Vision 2030 and the Human Capability Development Program, focusing on empowering Saudi citizens and enhancing workforce skills. We offer diverse courses spanning leadership, management, engineering, and technical disciplines to cultivate expertise and drive professional growth. Our flexible learning options—whether in-person, online, or in-house—ensure accessibility and convenience for individuals and organizations alike.
With over 30+ years of experience through the GLOMACS global network, we are committed to delivering innovative, results-driven training solutions. Our expert instructors combine industry knowledge with dynamic teaching methods, fostering practical skill development and long-term career success. By choosing Saudi GLOMACS, you're investing in personal excellence and contributing to the Kingdom’s sustainable economic growth and vision-driven transformation.
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