Breaking into Banking 101:
Fundamentals of Commercial Banking

Two days Online Training

28 – 29 April 2022

Register Now! Limited Seats Available!

R4, 999.00 Online

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Course overview:

Commercial banking can be intimidating because of its complexity and the risk-oriented nature of the work. This course is a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. It doesn’t assume much prior knowledge of the topic, so it’s ideal for those in their first year in the industry.
Learners will walk away with a clear understanding of their job and how their specific role fits into the bank’s overall profitability goals.

Target Audience

New credit analysts, lenders, and underwriters, as well as bankers who don’t do credit analysis but need a working knowledge of the process. This may include statement spreaders, loan processors and closers, treasury management associates, administrative support for credit or lending officers, branch managers, and interns.

Training Course Content:

The Business of Banking

  • Why customer relationships matter
  • Identifying and managing risk
  • Net interest income vs. fee income

Why Businesses Borrow Money

  • Working capital financing
  • Real estate and capital expenditures
  • Start-ups, buyouts, bridge loans, and losses

The Art of Underwriting – Part I

  • Industry considerations
  • Life cycle stage of your borrower
  • Analyzing quality of management

The Art of Underwriting – Part II

  • Four levels of quantitative analysis
  • Balance sheet: liquidity and leverage
  • Income statement: margins and coverage

Loan Structuring – Part I

  • Types of loan facilities
  • How loan pricing really works
  • Tenor and amortization

Loan Structuring – Part II

  • Analyzing your collateral
  • What loan covenants do for you
  • The value of guarantees

. The Credit Approval Process

  • Courtship and the “life of a loan”
  • Selling the deal twice – bank and customer
  • Loan documentation

Loan and Portfolio Monitoring

  • Understanding “Expected loss”
  • Loan grading – regulatory definitions
  • Asset performance and loan loss provisions

The Complex Lending Machine

  • Internal relationships
  • Introduction to twelve key banking groups
  • Critical partnership: Credit and Lending

End of the Workshop

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IN HOUSE AND ONLINE TRAINING

While both In-House and Online training can present with cost-effectiveness and time-efficacy, there are some very specific differences between in-house courses and those based online.
The demand for additional courses by individuals or groups of people is increasing. Still, it depends entirely on the preferences of a person what type of training he or she wants to receive. Online courses and in-house training carry some similarities but they are considered to exhibit some very pivotal differences too. Despite that, both types of learning can be really beneficial for attendees.

For Registration and other Training arrangements,
contact us on the detail below.
SOUTH AFRICA Tel: +27 11 057 6001
KENYA Tel: +254 11 353 1082
WhatsApp +27 79 574 0389
info@bmktraining.co.za / www.bmktraining.com