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Description

Credit Analysis: Reading the Accounts, Assessing Risk and Structuring the Facility

Build a credit analysis you can defend before the committee, starting from the client's accounts

  • 1 day — 7 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

Business relationship managers are expected to form a rapid view on financing requests that are documented to very uneven standards. Reading the financial statements is not enough: working capital requirements, dependence on a handful of customers, the owner's own position or the movements on the account often say a great deal more. Many files are returned by the credit committee for insufficient analysis or poorly selected security.

This one-day programme sets out a complete method: restating the financial statements, diagnosing the risk, selecting the facility and drafting the note submitted to the committee.

Learning objectives

  • Restate financial statements to obtain the balances that matter for credit analysis
  • Assess the borrower's financial equilibrium and repayment capacity
  • Identify signs of deterioration before they appear in the accounts
  • Select the financing solution suited to the stated need and its cycle
  • Draft a well-argued credit note together with appropriate security

What makes this programme different

The analysis is carried out end to end on anonymised financial statements of real companies
Files are presented to a credit committee role-played by the group
An early-warning signal detection grid is built and then tested during the session

Programme

1Reading and restating the financial statements

Making the accounts speak

  • Functional balance sheet and intermediate operating balances
  • Restating finance leases
  • shareholder current accounts and assigned or factored receivables
  • Working capital requirement and net cash position
  • Reading the notes to the accounts and off-balance-sheet commitments

2Risk diagnosis and repayment capacity

Going beyond the ratios

  • Cash generation capacity and debt service coverage
  • Business model and the company's position in its market
  • The role of the owner-manager and personal assets pledged in support
  • Signs of deterioration visible in account movements

3Structuring the facility and reaching a decision

Proposing and defending

  • Choosing between working capital financing and investment financing
  • Tenor
  • amount and repayment profile of the facility
  • Tangible and personal security and the role of credit guarantee schemes
  • Drafting the credit note and defending the case before the committee

Who is it for

Business relationship managers · corporate advisers · junior credit analysts and staff working in credit risk and lending support functions.

Prerequisites

Familiarity with the structure of a balance sheet and an income statement.

Dates & locations

24 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.