Financing Small and Medium Enterprises
Accreditation Number: 115352155
This
course explains the key principles of financing small and medium-sized
companies, with a primary focus on credit risk analysis, lending
decision-making, appropriate risk intermediation, and customer relationship
management. Understanding the challenges faced by small and medium-sized
business owners is essential to providing excellent service and making sound
credit decisions.
By the end of this course, participants will be
able to:
•
Know what small and medium-sized
enterprises need in terms of specific financial services and products according
to their relatively small size and often limited scope.
•
Understand the informal or semi-formal
environment in which SMEs operate; Hence, knowing how to deal with limited
access to reliable or audited financial data
•
Realize that the financial institution
must carefully analyze the customer's situation and verify oral or internal
statements since audited financial statements and sound business planning may
not be available
•
Make lending decisions based on
financial considerations and risk appetite once data is collected and verified
Course Curriculum
- Understanding Small and Medium Enterprises
- The Importance of SMEs
- Key Characteristics of Small and Medium Enterprises
- Types of Small and Medium Enterprises and Their Financial Needs
- The Operational Cycle of Working with SMEs
- Functions of SME Support Units in Banks
- Credit Terminology
- Types of Credit
- Steps in Credit Analysis
- Introduction to Financial Analysis
- Sources of Information Needed for Financial Analysis
- Importance and Objectives of Financial Analysis
- Functions and Characteristics of a Financial Analyst
- Steps in Financial Analysis
- Financial Statements
- Liquidity Ratio Analysis
- Activity Ratios Analysis
- Debt Ratio Analysis
- Profitability Ratios Analysis
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