Credit Risk Assessment –Business Loans Part one and Part two

This webinar is focused on credit unions who want to grow their business lending.

Ideally it is for staff who have already completed our webinar Introduction to lending to Self-Employed members business and personal.

It is in total six hours of webinar which comes in two parts.

Each part is three hours. We recommend a two week time space between part one and part two.

The areas covered are as follows

Part 1 Introduction

Lesson 1

•What are the obligations of a sole trader/advantages/disadvantages

•Challenges of self-employment

•Early screening questions

Lesson 2

•Purpose

•Amount requested

•Term of the facility

•Financial track record

Lesson 3

Getting under the bonnet of the business

•Business risk assessment

Lesson 4

•Management ability assessment

Lesson 5

•Taxation of self-employed

Lesson 6

Getting under the financial bonnet of the business

•Profit and Loss Account

Case study used is a Sole trader- Kitchen manufacturer

Part two starts with Lesson 7

•Reading the Balance sheet- analysis

Lesson 8

•Repayment ability assessment

Lesson 9

•Reaching a balanced decision

Lesson 10

•Creating a platform to manage the credit

•Drawdown/Fulfillment

Lesson 11

•Security options

•Reaching a balanced credit decision

Lesson 12

•Business Plans and Projection

Case study used is a Sole trader- Kitchen manufacturer

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