Structuring a loan based on the results of financial analysis. Decision-making in the lending business, July 2017

17 July 2017

On July 13-14, 2017, a seminar on the topic "Structuring a loan based on the results of financial analysis. Decision-making in the lending business” was held on the basis of the EBRD-RSBF training centre.

This seminar targets bank specialists involved in the decision-making process on loans to small businesses, both at the stage of checking credit resumes, and at credit committees proper.

Employees of the following banks took part in the training: Intesa Bank, NBD-Bank, Promsvyazbank, Vozrozhdenie Bank, LOCKO-Bank, Center-Invest Bank.

The coach, Natalia Narysheva, trained the participants in structuring credit transactions based on financial analysis and in decision-making on loans to small business entities, and made an overview of the various methods of structuring credit transactions, including rapid structural "reading" of credit résumés and initial assessment of a On July 13-14, 2017, a seminar on the topic "Structuring a loan based on the results of financial analysis. Decision-making in the lending business” was held on the basis of the EBRD-RSBF training centre.

This seminar targets bank specialists involved in the decision-making process on loans to small businesses, both at the stage of checking credit resumes, and at credit committees proper.

Employees of the following banks took part in the training: Intesa Bank, NBD-Bank, Promsvyazbank, Vozrozhdenie Bank, LOCKO-Bank, Center-Invest Bank.

The coach, Natalia Narysheva, trained the participants in structuring credit transactions based on financial analysis and in decision-making on loans to small business entities, and made an overview of the various methods of structuring credit transactions, including rapid structural "reading" of credit resumes and initial assessment of a potential borrower’s business. The participants learned to identify "risk areas" in a business and doubtful transactions based on analytical reporting data, to assess a borrower’s credit capacity based on the analytical balance sheet and the profit and loss statement. The participants studied practical cases on comparative equity analysis with the aim of checking of analytical statements for reliability, studied the "plus" / "minus" factors affecting equity size, learned to match financial analysis data against the loan purpose in order to be able to draw conclusions about feasibility of a particular. Special focus was made on the "clean-up" of credit resumes from doubtful/erroneous transactions that distort the real business situation.

All examples used at the seminar were prepared on the basis of real-life credit resumes. 

In their feedback, the seminar participants pointed out the following topics as the most interesting:

  • Structuring a loan transaction; the relationship between three financial statements;
  • Cross-checking;
  • Tax optimization schemes;
  • Structuring completed loan resumes;
  • Express analysis of loan resumes;
  • Stage-by-stage structuring of loan transactions, taking into account important financial ratios.
Here is the general opinion of the participants about the seminar:
  • The seminar is well structured; the information is well presented and easy for understanding;
  • The seminar programme has fully met my expectations. The impression of the seminar is positive, the information was presented in a manner easy for understanding;
  • Thank you for the new knowledge, good organization, friendly atmosphere, good presentation of the learning material!

We wish all the participants successful application of the knowledge gained in their practical work, and look forward to meeting you again!

potential borrower’s business. The participants learned to identify "risk areas" in a business and doubtful transactions based on analytical reporting data, to assess a borrower’s credit capacity based on the analytical balance sheet and the profit and loss statement. The participants studied practical cases on comparative equity analysis with the aim of checking of analytical statements for reliability, studied the "plus" / "minus" factors affecting equity size, learned to match financial analysis data against the loan purpose in order to be able to draw conclusions about feasibility of a particular. Special focus was made on the "clean-up" of credit résumés from doubtful/erroneous transactions that distort the real business situation.

All examples used at the seminar were prepared on the basis of real-life credit resumes.

In their feedback, the seminar participants pointed out the following topics as the most interesting:

  • Structuring a loan transaction; the relationship between three financial statements;
  • Cross-checking;
  • Tax optimization schemes;
  • Structuring completed loan resumes;
  • Express analysis of loan resumes;
  • Stage-by-stage structuring of loan transactions, taking into account important financial ratios.
Here is the general opinion of the participants about the seminar:
  • The seminar is well structured; the information is well presented and easy for understanding;
  • The seminar programme has fully met my expectations. The impression of the seminar is positive, the information was presented in a manner easy for understanding;
  • Thank you for the new knowledge, good organization, friendly atmosphere, good presentation of the learning material!
We wish all the participants successful application of the knowledge gained in their practical work, and look forward to meeting you again!