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AAFM ® American Academy of Financial Management ® 

AAFM ® CMA Chartered Credit Analyst -  Designation Curriculum

CCA ™ Chartered Credit Analyst - Professional  Program

 

CCA ™ Chartered Credit Analyst

 

Program Overview

The goal of this program is to provide a Credit Analyst with diagnostic skills that can be immediately used upon return to their respective international banks or corporate credit departments. Analysts will learn to use demonstrated analytical strategies which will enable them to assess the degree of risk prior to endorsing approval or rejection of a specific credit request. Another objective of this program is to enhance the documentation of commercial loan files which will reduce losses and will be viewed favorably by the regulatory community.

 

Program Methodology This program has been  designed to be delivered in a highly interactive way, involving a mix of theory, interactive discussion and formal practical exercises. It is also expected that all participants will contribute from their own experience and area of knowledge. This delivery method has been chosen to ensure that participants can maximize their skill development and experience sharing through peer interaction.

 

About this Certification Program and Course Objectives

 

Credit Professionals now need to establish strong risk management frameworks, have a clear systemic understanding of the organizations credit profile and need to establish strong financial modeling systems to understand how macro and micro-economic factors influence such trends.

 

Understanding the construction and maintenance of a loan portfolio is an essential survival tool in today’s volatile financial business environment. Successful enterprises that rely on effectively managing credit as well as larger institutional lending organizations, have established strong systems to provide a strong element of pre and post-planning credit analysis tools.

These tools enable corporate and institutional credit professionals to ensure effective day-to-day management of their customers and their debts and also contribute to a healthy

financial statement.

 

Who should attend? This highly practical course has been specifically designed for:

• Credit Analysts

• Credit Officers/Managers

• Commercial and Retail Loan Officers/Managers

• Loan Review Officers/Managers

• Branch Managers

 

After Attending This Executive Program, You Should Be Able To:

• Understand the various types of financial statements and be able to identify the components of financial statements including the balance sheet, income statement, statement of cash flows and reconciliation of net worth

• Spread the financial statements consistently and perform ratio analysis so that trends can be identified

• Perform a detailed cash flow analysis by calculating the sources and uses of funds from one accounting period to another

• Prepare financial projections based upon assumptions provided by the borrower then test those assumptions by utilizing sensitivity analysis

• Identify factors which may impact the ability to repay debt obligations and to document the finding in a written credit analysis memorandum

• Understand how to grade a loan or establish a credit rating

• Develop your own manager’s handbook

• Explore the implications of the global re-pricing of credit risk

 

CCA Chartered Credit Analyst Course Agenda

 

CCA Module One

Role Of The Credit Analyst And Lending Officer

• The role of the credit analyst

• Stakeholders and their priorities

• The credit analyst’s network and resources

• Loan interview techniques

• How to develop a loan handbook

Group Exercise

Define the key stakeholders in your organization involved in credit risk and management, develop a workflow structure and diagram

Credit Analysis Procedures

• The credit analysis process – the five C’s and PARSER

• Regulatory issues – update on Basel II

• What is the manager’s loan handbook

Group Exercise

Develop a check list on the key credit analysis processes currently necessary within your organization

 

CCA Module Two

Financial Statement Analysis

• Books of account

• Spreadsheeting and analysis techniques

• Ratio and trend analysis

Group Exercise

• Analyze a company performance utilizing a case study

• Further develop the manager’s loan handbook

Financial Analysis

• Solvency ratios

• Cash flow analysis

• Debt service coverage – how do you properly account for various conditions such as real estate holdings, excessive owner compensation and timing issues?

• Adequacy of working capital, liquidity, and leverage position and control

• Further analysis of the balance sheet, profit and loss statement, cashflow statements and annual report

Group Exercise

Using the tools you have reviewed, analyze and assess a balance sheet and undertake a cashflow exercise

 

CCA Module Three

Structuring A Credit To Minimize Risk

• Proper loan structuring recommendations

• Collateral coverage analysis

• Loan covenant considerations

• Guarantor analysis

 

Group Exercise

 

Formulate a Balanced Scorecard utilizing a case study

 

Non-Performing Loans/Distressed Debt

• Evaluating investment opportunities in debt heavy businesses

• Reviewing restructuring opportunities

• Implementing a system of red flag projections

 

CCA Credit Analyst Module Four

Financial Projections And Analysis

• Development of a loan portfolio

• Asset management

• Loan funding techniques

• Balance sheet impact

• Marketing opportunities for loan portfolio development

• Business and industry analysis

Group Exercise

• Construct a loan portfolio and undertake a risk assessment

• Further development of your individual loan manager’s handbook

Advanced Analytical Techniques

• Methods of generating and determining growth

• Break-even analysis and building a business for ROI

• Customer and segmentation profitability

• Mergers and Acquisitions (M&A)

• Finalize the loan manager’s handbook

 

CCA Credit Analyst ModuleFive

Current Issues In Credit Analysis

Practical Assessment Exercises

Tasks will be issued on an individual and team basis that will confirm your skills and ability to apply risk management techniques. The exercise will be by way of team discussion of case studies and individual comments on practical risk problems.

 

Under an agreement with the Law School , graduates of qualified accredited programs may apply directly for certification.  See LLM Program http://llmprogram.org/aafm.html

 

Under an agreement with the Business School Accreditation Agency, graduates of qualified accredited business degree programs may apply directly for advanced standing toward certification.  See ACBSP Press Release

 

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