Training - Credit Analysis

Avaliação de crédito

General objectives:

  • The Credit and Risk Analysis Training aims to train the student in the credit analysis of customers from the most diverse segments, providing a more technical view aiming to reduce losses arising from bad credits.

 

Who is it for:

  • Professionals from financial institutions, executives from companies that work in the financial, controllership, credit and collection areas, lawyers, and business consultants who wish to improve themselves in topics related to Credit and Risk Assessment.

 
Expected benefits:

  • After the training, the participant will be able to:
    • Understand the different methods for credit assessment of a legal and individual person;
    • Know the main variables in the credit assessment process;
    • Implement credit policies in their companies;
    • Establish credit limits and more securely.

Methodology:

  • Powerpoint presentation, case studies and practical exercises

Program:

Module 1 - Credit Concept and Stages

  • The Credit Concept

  • Credit rating

  • Factors that circumscribe a Credit Policy

  • The Credit Investment Process

Module 2 - Credit Policies

  • Credit policies in financial institutions

  • The Basic Parameters - The C's of Credit

    • Character

    • Capacity

    • capital

    • Collateral Conditions

    • Rating Agencies

Module 3 - The Analysis of Credit to Individuals and Microenterprises

  • registration analysis

  • suitability analysis

  • Financial analysis

  • Analysis of the Income Commitment Index with Onerous Expenses (ICRDO)

  • relationship analysis

  • equity analysis

  • Sensitivity analysis

  • business analysis

  • The Credit Scoring Model

  • The Behavior Scoring Model

  • The Mixed Model

  • Detailed Example of the Credit Scoring Model

  • Credit for microenterprise

  • Notes on Credit Assessment of Individuals and Microenterprises
    Serasa and SCPC

  • Building a credit rating

Module 4 - Legal Entity Credit Analysis

  • Documentation for Legal Entity Credit

  • Qualitative Assessment

  • Quantitative Analysis

  • Analysis Techniques Used in Quantitative Retrospective Assessment

Module 5 - Economic and Financial Assessment of a Credit Policy

  • Preliminary

  • Factors that circumvent a credit policy

  • Assessment of Credit Policy Changes

  • Analysis of Financial Statements

Module 6 - Warranties

  • Introduction

  • Formalization

  • Personal guarantees

    • guarantee

    • Bail

    • Real guarantees

    • Guarantee of fixed income financial investment modalities

    • Duplicate deposit

    • Check deposit

    • chattel mortgage

    • merchant pledge

    • Mortgage

    • Warrant pledge and deposit acknowledgment


Module 7 - Introduction to Quantitative Risk Analysis

  • Average decision

  • Decision by average and risk

  • The quantification of risk

  • the concept of risk

  • Data distribution

  • The Normal Distribution

  • Credit applications

  • Other credit risk analysis and assessment models

  • Credit hours: 16h class

 

  • Investment, deadline and application procedures

  • comercial@valini.com.br

  • (11)-930111501

  • Possibility of installments in up to 6 installments on the credit card

  • Progressive discount for:

  • 1 registration = 10%

  • 2 registrations = 15%

  • 3 registrations = 20%

 

  • The registration fee includes:

  • Printed handout and worksheets

  • Valini Training Certificate

  • Check out the payment facilities for our events. Boleto, Credit Card up to 06 interest-free installments, or Deposit to Account.

  • If you prefer, request an In-Company proposal with the benefits of adapting training to your company's reality!