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eLearning Solutions
Private Banker LendingCredit risk assessment and lending decision skills for lenders to high net worth individuals
HOURS OF STUDY:
10-12
TRAINING & CERTIFICATION
Learn more at moodysanalytics.com/elearning
TARGET AUDIENCEThis program is recommended for banks, investment institutions and departments that cater to the financial needs of high net worth individuals. Employees who will benefit from this course of study include:
» Private bankers » Investment bankers » Individuals that deal with the
business borrowing needs of high net worth clients
OverviewOur Private Banker Lending eLearning curriculum is specifically designed with the private banker in mind. Upon completion of this program, learners will be able to:
» Identify critical factors associated with making business-related loans to high net worth individuals
» Assess the risks associated with those factors » Make sound lending decisions that provide needed credit to these clients and deepen the
lender’s relationship with them
Additionally, our program assesses the learner’s ability to work through a real lending scenario through a practical simulation of the full application, analysis, and decision process. We combine the functionality and flexibility of the web, sound instructional design, and Moody’s Analytics proven training techniques to optimize training relevance and keep the learner engaged.
PROGRAM MODULESPrivate Banker Lending content is accessible over the Internet and is presented in the following six modules:
PROGRAM COMPONENTS
1 Interactive LessonsStudents learn essential content, understand how it should be applied, and test their knowledge.
2 AssessmentsLearners are challenged to apply their knowledge and demonstrate mastery of required skills.
3 Administrative ToolsSponsors of the learning program can monitor participation, assess performance, and access critical detail to support mentoring and additional training.
1 2
3
SUPPLEMENTAL FEATURES
Our curriculum can be supplemented with additional features and functions that enhance the learning experience.
Custom Simulations
Library
WebClass Mentoring
Financial Analysis
Understanding Businesses and Their
Borrowing Needs
Evaluating the Company, Its Management,
and Its Marketplace
Evaluating Owner-occupied Commercial
Real Estate
Understanding and Communicating
Credit Solutions
Personal Financial Analysis
Private Banker Lending | eLearning SolutionsCredit risk assessment and lending decision skills for lenders to high net worth individuals
Copyright © 2012, Moody’s Analytics, Inc. All Rights Reserved.
ASIA (EXCLUDING JAPAN)[email protected]
CONTACT US Visit us at moodysanalytics.com or contact us at a location below:
SP20116/1159/IND-112
CONTENT DETAIL BY MODULE
UNDERSTANDING BUSINESSES AND THEIR BORROWING NEEDSLesson 1 – Business Types addresses the basic types of business operations to provide learners with a foundation to assess businesses.
Lesson 2 – Legal Structures discusses the basic forms and legal structures of business organizations.
Lesson 3 – Why Businesses Borrow reviews the six principal borrowing causes and suggests that some purposes for credit may fall outside of some institutions’ credit policy or guidelines.
EVALUATING THE COMPANY, ITS MANAGEMENT, AND ITS MARKETPLACELesson 4 – Industry/Business Life Cycle helps learners understand these cycles as it relates to credit risk.
Lesson 5 – Management Integrity, Competence, and Scope reviews the basic elements in assessing management risk.
Lesson 6 – The External, Competitive Marketplace identifies common competitive forces that shape an industry and the performance of businesses within industries.
FINANCIAL ANALYSISLesson 7 – Financial Statement Basics provides an introduction to the structure of small business financial statements including the balance sheet, the income statement and key accounts within each statement.
Lesson 8 – Ratio Analysis introduces key financial ratios that can be useful in an initial evaluation of borrower creditworthiness.
Lesson 9 – Cash Flow Analysis addresses the cash flow approximation ratio EBIT and other tools.
EVALUATING OWNER-OCCUPIED COMMERCIAL REAL ESTATELesson 10 – Owner-occupied Property Types and Uses explores the various types of commercial property and compares and contrasts owner occupied property with property held solely for investment purposes.
Lesson 11 – Cash Flow Generating Capacity of a Commercial Property examines the various revenues and expenses commonly generated by income-producing commercial properties.
Lesson 12 – Contribution to Successful Business Operations reviews the degree to which the real estate contributes to company success, by assessing the property’s value and the likelihood of loan repayment according to terms.
PERSONAL FINANCIAL ANALYSISLesson 13 – Personal Cash Flow Available for Debt Service addresses sources of cash flow available for business loan debt service from high value customers, with emphasis on investment returns and dividends, business operations, rental income, salaries, wages, bonuses, gains on sale of trading assets, and partnership drawings.
Lesson 14 – Personal Assets as Security addresses security from high value customer personal assets, such as cash, stocks, homes, bank guarantees, with the purpose of strengthening the bank’s position in loans extended to businesses owned by such clients.
UNDERSTANDING AND COMMUNICATING CREDIT SOLUTIONSLesson 15 – Loan Type and Repayment Schedule addresses typical loan types and the sources and common repayment schedules for those loans.
Lesson 16 – Security and Other Credit Enhancements explains security, guarantees, and loan covenants and their respective roles in mitigating credit risk.
Lesson 17 – Putting It All Together is where it all comes together. Here, the integration of borrowing need identification, credit analysis, loan structure, and risk mitigation measures is explained and explored as a cohesive means of developing successful loan solutions for both the bank and the borrower.