With the constantly changing – or weakening – economy, Credit Managers are faced with a deluge of data which must be analysed, summarised and disseminated. Southern Africa has recently been readmitted to the world of exporting and foreign exchange, opening new challenges to Credit Managers.
How do Credit or Loan managers go about assessing the risk of lending their company’s money to a customer? This Skills Based Training Course has been designed to equip personnel responsible for the assessment of risk with the necessary skills to determine, accurately, the risk factors of their customers and clients.
The following subjects are covered in the course:
Reasons for increase in Risk
Mergers to gain market share
Reduced staff numbers
Increase in customer sophistication
Increase in complexity of products
Difficulty in obtaining competitive advantage
The objectives of the Credit or Loan Manager
Making profit and containing losses
The “Canons” on lending
Small business credit risks
Use is made of a Case Study
Seven C’s of Credit
Understanding Business Risk
Framework of a Business Analysis
General economic and related risks
Competition – current and expected
Market/product life cycle
Analysing competitive markets
Determinants of profitability
New entrants into the market
Power of the buyers
Power of suppliers
Assessing management ability
Unveiling the Mystique of Cash Flow Analysis
What is Cash Flow Analysis?
Developing a Cash Flow Summary
What does the Cash Flow Summary tell you?
Interpreting the Cash Flow Summary
Interpreting company forecasts
Extracting a cash Flow Forecast
Using Ratios for Analysis
Developing a Framework
Annual Sales Growth
Return on Funded Assets
Stock days sales outstanding
Debtors days sales outstanding
Creditor’s days’ sales outstanding
Net working assets percentage
Tangible Asset Intensity
Average asset age
Total balance sheet leverage
Return on equity
Economic Value Added
The Role of Financial Analysis in Corporate Credit Assessments
Overview of Corporate Credit Assessment
Key Requirements in Credit Assessment
“Gone Concern” Assessment
“Going Concern” Assessments
Financial Versus Non-financial Assessment
Analysis of Small to Medium Business
Analysis of Large Multi-national
The all-inclusive cost for these courses are as follows:
Credit Risk Management R6 900,00
Once the learner has registered and paid the prescribed fee, course notes will be sent electronically.
The course content is directed towards outcomes-based education. For this reason, delegates are consistently evaluated by workbooks submitted during the course to ensure that they have assimilated the subject to a satisfactory degree and will be able to perform the tasks taught.
The course can be presented to companies for the benefit of their staff. Because of the required Skills Based content of the course, information presented is tailor made for the company for which the course is being presented.
Ideally, the course should be presented away from the normal working environment of the employees, thus eliminating interruptions and distraction from their daily workload. To facilitate interaction, the total number of delegates attending the course should not exceed 30.
Each delegate will be handed a full and comprehensive set of reference notes. The study material is copyrighted to PBS College.
Individual quotations will be given as the fee depends on the number of delegates attending the course. Costs and expenses are for the company for whom the course is being presented. These costs include the following:
The venue, which should preferably be away from the normal working environment of the delegates attending the course;
Tea/coffee, refreshments and lunches (if required);
Flip chart and pens;
Travelling and accommodation of the presenter of the course if presented outside Gauteng.
This course is an outcomes-based course. Learners studying via distance learning submit workbooks on which they are assessed. It is necessary to obtain at least 50% on every workbook to qualify for the Credit Rik Management certificate.
In-house the learners are assessed during the two days of the course and qualify on outcomes-based assessments for the Credit Risk Management certificate.
Standard fees for the two days are R6 900 per delegate. Special discounted rates for more than four delegates from the same company can be negotiated. This fee includes a comprehensive reference manual, secure parking on the premises and all tea/coffee and lunches for the two days.
This course and its notes and contents is accredited by the Institute of Credit Management Africa. On completion of the course, delegates will be issued with a PBS College attendance certificate on which the accreditation and appropriate logos are depicted.
Kevin Midgley was born and raised in the Republic of South African.
He studied and obtained the Master of Business Administration (MBA). His career has always been in education and training. He has been a senior lecturer at the following institutions:
Damelin Education Group;
Varsity College and
Regenesys Business School
He has presented various public and in-house training courses throughout South Africa to several large corporations. He is currently actively presenting courses, both face-to-face and distance learning.
He is a subject matter expert and has been contracted to present and design the following courses:
Human Resources Management
Public Policy Management
Quality and customer relations
Sales and negotiation
He has authored “The Credit Controller’s Handbook” – self-published – September 1999. Second Edition – June 2002. Third Edition – March 2008.
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An exciting training course for all personnel dealing with debtors’ accounts
Either Class Based, or Self Study Assignments monthly Exams every 6 months