Elevated Credit 101

Coming soon

Who benefits?

This course is ideal for junior lenders in underwriting or lending roles who want to expand their understanding beyond specific tasks and gain a broader perspective of client business dynamics. Often, junior bankers focus on completing individual tasks without fully grasping the bigger picture of what’s happening with the client and their business. While credit concepts are introduced in our Elevate the Client Experience course, this program delves deeper into credit analysis. It equips participants with a comprehensive understanding, enhancing their ability to manage client relationships effectively and preparing them for growth into more senior banking roles.

Module 1: Lending to Individuals

  • Overview of lending key considerations when working with individual clients.

Module 2: Three Main Areas of Initial Focus

  • Cash Flow: Following the flow of money.

    Debt Levels: Evaluating existing liabilities and borrowing capacity.

    Liquidity: Understanding available assets and reserves.

Module 3: Understanding Repayment Sources

  • Identifying and analyzing the sources of repayment and their reliability.

Module 4: Case Studies

  • Real-world examples and role-plays to apply key concepts and strategies in lending.