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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
Published: May 2019
Core
Finance
1 hour 50 minutes
Borrowing Purposes and Credit Analysis [Retro-Learning Course]

Course Overview

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

Course Includes

1.4K
STUDENTS*
92.5%
RECOMMEND*
This course includes
  • 2 hours on-demand video
  • Certificate of Completion

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

Explore the comprehensive, hands-on curriculum designed to build your expertise step by step.

Meet Your Expert Instructors

Paul Siegel

Paul Siegel

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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.