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  3. Borrowing Purposes and Credit Analysis [Retro-Learning Course]

Borrowing Purposes and Credit Analysis [Retro-Learning Course]

Corporations request credit facilities for a variety of reasons, and examining the reason why a company borrows is critical for evaluating a loan request. This course teaches you all about the reasons for and types of credit needs.

Paul Siegel
Paul Siegel
Finance | core | 1 hour 50 minutes |   Published: May 2019
In partnership with:  Coursera

    Discussions

Overview

1.4KSTUDENTS*
92.5%RECOMMEND*
This course includes
  • 2 hours on-demand video
  • Certificate of Completion
Corporations request credit facilities for a variety of reasons, and examining the reason why a company borrows is critical for evaluating a loan request. It is important to make sure that the reasons for borrowing are legitimate and that they reflect the business strategy of the corporation. Companies may request credit for normally occurring, general corporate purposes, such as to cover cash flow shortfalls and inventory build up. At certain times, companies may need credit facilities for specific, usually non-recurring, large expenditure purposes, such as plant expansion or acquisitions. Each of the different purposes suggests an appropriate type of borrowing. This unit will discuss the different needs of borrowers and address the appropriate credit options for particular credit situations.

Skills You Will Gain

Banking
Business Analysis
Company Analysis
Credit Analysis
Finance
Financial Analyst
International Finance
Risk
Risk Management
Underwriting

Learning Outcomes (At the end of this program you will be able to)

  • Align a credit facility with the borrower’s purposes and financial as well as business objectives.
  • Distinguish a borrower’s need to finance operations from capital structure strategies.
  • Ensure that the time horizon of a credit facility is consistent with a borrower’s goals and its level of creditworthiness.
  • Diagnose the most common reasons why a company might enter into a credit facility.
  • Identify the many types of credit facilities that exist in the financing marketplace and the factors that differentiate them.
  • Offer several examples of seasonal lines of credit.
  • Evaluate the need for a bridge loan and the type of risks that it entails.
  • Define an evergreen facility.
  • Know how to evaluate the borrower’s purpose of borrowing against the lender’s preferences in terms of credit risk.
  • Assess prepayment risk.

Prerequisites

Who Should Attend

Curriculum

Instructors

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*Where courses have been offered multiple times, the “# Students” includes all students who have enrolled. The “%Recommended” shown is also based on this data.
1Welcome
2Course Content: Multimedia
3Consumer, Commercial, Corporate & Government Credit and Risk
4Course Content: Books, Readings & Resource Links
5Other Relevant Content We Recommend to You!
Paul Siegel

Paul Siegel

I am an entrepreneur, educator, and innovator with a rich blend of skills in finance, technology, and educational content development. Holding an MBA in Finance and International Business from NYU Stern School of Business, I've dedicated over thirty years to pioneering financial and educational innovations. My journey spans significant roles in financial services, investment banking, and real estate finance, contributing to the growth and risk management of various global businesses. As an author, I've published works like "The Options Applications Handbook: Hedging and Speculating Techniques for Professional Investors" and "Credit Derivatives: Techniques to Manage Credit Risk for Professionals." These books aim to advance financial industry knowledge and practices, offering accessible insights into complex financial concepts and instruments for professionals keen on deepening their understanding of the financial markets. My commitment to innovation is also highlighted by my patent, "System and Method for Utilizing Industry-Specific Competencies to Maximize Resource Utilization," which epitomizes my efforts to enhance efficiency and performance within professional environments. This patent exemplifies my profound grasp of the synergy between technology, finance, and educational methodologies, marking me as a trailblazer in using digital platforms for professional development and organizational enhancement. My extensive experience, successful track record in finance, and contributions to professional education through my writings and patented innovations underline my exceptional capability to navigate and shape the intricate worlds of finance, technology, and education.

VIEW MY CHANNEL

On Air - Consumer, Commercial, Corporate and Government Credit and Risk (RECORDING - PART 1)

Part 1 - Slides

On Air - Consumer, Commercial, Corporate and Government Credit and Risk (RECORDING - PART 2)

Part 2 - Slides

On Air - Consumer, Commercial, Corporate and Government Credit and Risk (RECORDING - PART 3)

Part 3 - Slides

Why not have a look at some of these relevant courses?

Balance Sheet Fundamentals

Borrowing Purposes and Credit Facility Types

Loan Agreements

About this course: Overview, Learning Outcomes, Prerequisites & Target Audience

Principles of Credit Analysis - Full Book (>140 Pages)