The Corporate and Commercial Banking curriculum is directed at those professionals responsible for bank customers which are either privately owned or, where appropriate, public companies, with revenues ranging from $15 million to $500 million.
The Corporate and Commercial 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; Corporate and Commercial Lenders; Portfolio Managers; Credit Officers, Associates, and Analysts; Leasing Specialists; and Loan Syndication and Treasury Management Officers. In addition, selected programs will also be appropriate for Product Specialists; Legal and Compliance Officers; Internal Auditors; and Operations Officers.
Corporate and Commercial Banking Programs can be taken as stand-alone offerings, or as a graduated curriculum, optimally sequenced as follows:
- Business Risk and Financial Statement Analysis - This program provides participants with the interrelationship between business risk analysis on the one hand, and income statement and balance sheet analysis on the other. The program reviews the key income statement and balance sheet drivers, and the impact of business decisions on them.
- Cash Flow Analysis I: Working Capital and Cash Flow – This program reviews the dynamics of working capital movements on the balance sheet and how such movements are reflected in the compilation of direct and indirect cash flow statements.
- Cash Flow Analysis II: Cash Flow and Debt Capacity – This program reviews techniques for quantifying sustainable cash flow, and its impact on the borrowing capacity of the customer. Particular emphasis is placed on how much debt a company can service and repay in an acceptable timeframe to the bank, together with a break even analysis using the borrower’s forecasted cash flows.
- Loan Structuring Fundamentals and Applications - Participants are introduced to different loan types ranging from seasonal working capital to long term loans and the role and importance of loan covenants in disciplined loan structuring.
- Risk Analysis in Transaction and Deal Structuring – Participants review the full range of recapitalization techniques in general, and how these are applied when companies are bought and sold.
- Mindset of the Business Owner I: Value Creation Strategies - The program reviews how business owners create and erode value in privately held businesses and how the corporate and commercial banker can develop techniques for reviewing, from both a value and a risk perspective, the borrower’s capital allocation decisions.
- Mindset of the Business Owner II: Transfer of Ownership and Succession Planning - Participants practice the disciplines of cash flow valuation using discounted cash flow and comparative multiple techniques and how these are applied in the buying and selling of private companies to either management or private equity buyers.
- Interest Rate and FX Derivatives -Participants review the basic fundamentals of interest rate and FX derivatives instruments, the credit and market risks arising therefrom, and how such tools can be responsibly marketed to the bank’s corporate and commercial customer base.
- 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 and moves towards bankruptcy.
- Risk Analysis in Trade Finance – this program reviews the risks arising in cross-border trade with domestic and international companies, the local trade finance products and solutions that can mitigate such risks, and the regulatory and commercial risk considerations arising from the delivery of trade finance products and solutions.