The Business and Community Banking curriculum is directed at those professionals responsible for bank customers which are either privately or family owned companies, with revenues ranging from $1 million to $15 million.
The Business and Community Banking curriculum can be customized to reflect each bank's customer profile, typical deal size, financial market, geographical location and currency, internal credit policy and statement spreading protocols, and product delivery capability.
Professionals attending such programs would include Relationship Managers; Business Development Officers; Portfolio Managers; Credit Officers, Associates, and Analysts; and, Treasury Management Officers.
In addition, selected programs will also be appropriate for Private Bankers; Wealth Management Professionals; Legal and Compliance Officers; Internal Auditors; and Operations Officers.
Business and Community Banking Programs can be taken as stand-alone offerings, or as a graduated curriculum, optimally sequenced as follows:
- Business Risk Analysis - This program is designed to give participants an overview of the key considerations which drive the operating performance of any business, with a particular emphasis on the risks which undermine the creditworthiness of the business.
- Financial Statement Analysis - This program reviews the key variables comprising a company’s income statement and balance sheet, and how those variables measure the company’s financial performance and its ability to service and repay debt.
- Understanding the Working Capital Cycle - This program is designed to provide participants with an outline of the importance of working capital and a bank’s role in financing such needs. Strong emphasis will be placed on the potential for a breakdown in the working capital cycle and how such risks can be proactively identified before they occur.
- Cash Flow Analysis – An introduction to basic cash flow analysis and forecasting skills with a focus on the key disciplines of a borrower’s operating, investing, and financing activities.
- Loan Structuring Fundamentals and Applications - In this program participants will be introduced to the different types of loan structures which make up the profile of the liability side of a customer’s balance sheet.
- Early Warning Sign Analysis - This program provides participants with a comprehensive overview of early warning sign analysis, together with a road map of the proactive steps to be taken by a bank in limiting downside risk when a credit begins to deteriorate.