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Certificate in SME Lending




# Certificate in SME Lending

Course Content

I.   Introducing the SME

  • The SME and the economy
  • Financing structure of the SME
  • Financing needs of a business
II.   Business financing
  • Working capital financing
  • Capital expenditure financing
  • Principles of lending to a business
III.   Credit risk assessment
  • he 5 – C framework
  • Asset conversion analysis
  • Macro risk assessment – the PEST analysis
IV.   Financial statement analysis – a historical assessment
  • Profitability assessment
  • Financial condition assessment
  • Cash flow review
V.    Loan structuring
  • General principles of loan structuring
  • Lending products and features
  • Assessing and structuring working capital requirements
  • Assessing and structuring term lending
  • Lending terms and conditions
VI.   Lending securities and collateral 
  • Form of loan securities
  • Legal documentation 
VII.   Loan monitoring – preventing problem loans
  • Causes of business failure
  • Warning signals of a distressed business
  • Preventive actions and business rehabilitation
  • Loan recovery
VIII. BASEL rules and risk management
  • BASEL capital adequacy rules
  • Credit risk rating and credit scoring models

Course Description

This course is designed for banking executives to equip them with the knowledge and skills of business lending for small and medium enterprises.  In the course of fulfilling their responsibilities and roles, they need to conduct research, gather information, analyze and structure lending propositions for the bank’s approval. A minimum level of knowledge and skills in credit assessment is required to perform effectively for business lending roles of the credit officer. 

Course requirement
Program descriptionThis is a special skills development program for all banking officers involved in assessing and recommending loans and credit facilities to small and medium size enterprises in the country’s economy. The SME segment forms a very large part of the national economy. The SME businesses collectively form more than 95% of the total number of businesses in most economies. As a result lending opportunities are abundant but there are higher risks as well.
Learning Objectives
  • Credit officers who market and process all business and corporate loans, particularly those focused on lending to small and medium enterprises ·
  • Banking executives who are in the loan monitoring function or internal audit operations (credit)
Learning Objectives
  • To understand the business lending environment ·
  • To conduct a practical analysis of the credit risk of a loan proposal ·
  • To develop a loan structure to serve both the borrower and lender ·
  • To understand the process of loan monitoring and credit risk management
  • To propose actions required for credit risk management

What am I going to get from this course?
Delivery Methods
  • Self-paced online learning through the ANZI learning management system (6 months)
Assessment
  • Online assessment
  • Certificate of attainment awarded for achieving satisfactory score


LESSONS

  • SECTION 1 :
    SME Lending : Study Material
  • 1.1
    SME LENDING SCHOOL Introduction 
  • 1.2
    SME LENDING SCHOOL lecture 1 
  • 1.3
    SME LENDING SCHOOL lecture 2 
  • 1.4
    SME LENDING SCHOOL lecture 3 
  • 1.5
    SME LENDING SCHOOL lecture 4 
  • 1.6
    SME LENDING SCHOOL lecture 5 
  • 1.7
    SME LENDING SCHOOL lecture 6 
  • 1.8
    SME LENDING SCHOOL lecture 7 
  • 1.9
    SME LENDING SCHOOL lecture 8 
  • 1.10
    SME LENDING SCHOOL lecture 9 
  • 1.11
    SME LENDING SCHOOL lecture 10a 
  • 1.12
    SME LENDING SCHOOL lecture 10b 
  • 1.13
    SME LENDING SCHOOL lecture 11 
  • 1.14
    SME LENDING SCHOOL lecture 12a 
  • 1.15
    SME LENDING SCHOOL lecture 12b 
  • 1.16
    SME LENDING SCHOOL lecture 13 
  • 1.17
    SME LENDING SCHOOL lecture 14a 
  • 1.18
    SME LENDING SCHOOL lecture 14b 
  • 1.19
    SME LENDING SCHOOL lecture 15a 
  • 1.20
    SME LENDING SCHOOL lecture 15b 
  • 1.21
    SME LENDING SCHOOL lecture 16 
  • 1.22
    SME LENDING SCHOOL Lecture 17a 
  • 1.23
    SME LENDING SCHOOL Lecture 17b 
  • 1.24
    SME LENDING SCHOOL Lecture 17c 
  • 1.25
    SME LENDING SCHOOL lecture 18a 
  • 1.26
    SME LENDING SCHOOL lecture 18b 
  • 1.27
    SME LENDING SCHOOL lecture 18c 
  • 1.28
    SME LENDING SCHOOL lecture 18d 
  • 1.29
    SME LENDING SCHOOL lecture 19a 
  • 1.30
    SME LENDING SCHOOL lecture 19b
  • 1.31
    SME LENDING SCHOOL lecture 20a 
  • 1.32
    SME LENDING SCHOOL lecture 20b 
  • 1.33
    SME LENDING SCHOOL lecture 21a 
  • 1.34
    SME LENDING SCHOOL lecture 21b
  • 1.35
    SME LENDING SCHOOL lecture 21c 
  • 1.36
    SME LENDING SCHOOL lecture 22 
  • 1.37
    SME LENDING SCHOOL lecture 23a 
  • 1.38
    SME LENDING SCHOOL lecture 23b 
  • 1.39
    SME LENDING SCHOOL lecture 23c 
  • 1.40
    SME LENDING SCHOOL lecture 23d 
  • 1.41
    SME LENDING SCHOOL lecture 24a 
  • 1.42
    SME LENDING SCHOOL lecture 24b 
  • 1.43
    SME LENDING SCHOOL lecture 24c 
  • 1.44
    SME LENDING SCHOOL lecture 25a 
  • 1.45
    SME LENDING SCHOOL lecture 25b 
  • 1.46
    SME LENDING SCHOOL lecture 26a 
  • 1.47
    SME LENDING SCHOOL lecture 26b 
  • 1.48
    SME LENDING SCHOOL lecture 27a 
  • 1.49
    SME LENDING SCHOOL lecture 27b 
  • 1.50
    SME LENDING SCHOOL - Review 
  • MCQ Exams
  • 1
    Certificate in SME Lending
    Proceed

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Location

Level 2
No.7 Help Street
Chatswood
New South Wales 2067
Australia
Phone: +9415 1999 (AUS) / +603 2116 5935 (SEA)