This course is designed to help participants integrate the analysis of risks associated with the industry, business and management of the company into the overall credit underwriting process.
- Determine the characteristics of manufacturers, wholesalers, retailers, and service companies.
- Identify the advantages and disadvantages of firms in different stages of the industry life cycle including: emerging, growth, mature, and decline stages.
- Understand the macroeconomic issues that create risk for businesses.
- Review specific types of risk including: buyer/seller concentrations, exit and entry costs, cyclicality, international concerns, and vulnerability to substitutes.
- Understand how specific business risks impact specific industries.
- Analyze operating leverage, competition, concentrations, distribution, products and services, and production.
- Understand how management can compound or allay risk.
- Discuss management success criteria such as experience, integrity, philosophy, and style.
- Review the flaws and pitfalls of management.
Who Should Attend?
Commercial lenders, credit analysts and small business lenders, consumer lenders, mortgage bankers and private bankers; loan review specialists, special assets officers, lending managers and credit officers.
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