Risk and Business Opportunity Identification

For Banks

The participant will learn and understand the techniques and methodology to analyze a company of any size, industry and complexity using a structured, time-efficient roadmap to realize the key business and credit risks, develop an engagement strategy and identify business opportunities. Moreover, the conclusions of that analysis are converted into strategic client presentations in order to convince the client to implement risk-reducing measures and/or to realize the incremental business potential.

Content 

& Aims

Key Contents
  • Improved assessment of client’s future financial performance 

  • Identification and realization of incremental business potential

  • Methods and techniques to determine sustainable future cash flows and determination of the payout period of interest bearing debt

  • Early identification and pro-active handling of (early-) warning signals

  • Quick Checks

  • Working capital management

  • Cash flow analysis and cash flow drivers

  • Sensitization of corporate projections

  • Debt capacity and its practical application

  • Custom-made loan agreements (covenants)

  • Differentiation of debt and equity risks in a transaction

  • Conversion of analytical conclusions into profound risk and reward minded credit underwriting decisions

  • Corporate valuation and consequences for good credit structures

  • Alternatives of change of ownership and its financing

Objectives 

Practical application of corporate finance concepts to position the bank as financial analyst and advisor. 

  • Full utilization of business and revenue potential, maximization of share of wallet

  • Profound risk and reward minded credit decisions through holistic corporate analysis

  • Application of value creating balance sheet and credit structuring

  • Practical and risk relevant knowledge of corporate valuation

  • Improved credit risk quality and as a result, reduction in loan loss provisions/write-offs