Scott Powell – 5 Cs of Credit – CFI Education

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Exploring the Essential Features of “Scott Powell – 5 Cs of Credit – CFI Education”

5 Cs of Credit

Dive into these five critical borrower attributes in order to satisfy their credit needs more effectively!

• Explore the 5 Cs lenders need to know to make credit decisions
• Learn and use tools and resources to become a confident lender
• Support your customers by showcasing why they have an acceptable credit risk

Overview

5 Cs of Credit Overview

In this 5 Cs of Credit course,  we will explore the five characteristics lenders use to assess the overall creditworthiness of potential borrowers: Character, Capacity, Capital, Collateral, and Condition. We will explain each of the 5 Cs in detail, including:

• The definition of each characteristic
• The importance of this characteristic in the credit application process
• How to access the characteristic using different tools and resources

At the end of each chapter, we will put it all together in a case study. You will read the results of a company’s management assessment, financial analysis, business, and industry analysis and identify the strengths and weaknesses of this company’s credit.

5 Cs of Credit Learning Objectives

Upon completing this course, you will be able to:

• Explain each characteristic in the 5 Cs of Credit framework
• Identify the key credit strengths and weaknesses of a company by examining various sources of information
• Discuss how the 5 Cs of credit are used to assess the borrower

Who should take this course?

This 5 Cs of Credit course is perfect for any aspiring credit analysts working in insurance, underwriting, rating agencies, commercial lending, corporate credit analysis, and other areas of credit evaluation.

What you’ll learn

5 Cs of Credit Introduction
Introduction 
5 Cs of Credit Overview 
Learning Objectives 
Downloadable Files

Character
Character Overview 
Assessing the Company
Assessing the Management Team
Interactive Exercise 1
Assessing Character – Case Study
Assessing Character Solution

Capacity
Capacity Overview
Analyzing the Cash Flow Statement
Analyzing the Drivers of Profitability and Growth
Analyzing the Drivers of Profitability and Growth Part 2
Interactive Exercise 2
Assessing Capacity – Case Study
Assessing Capacity Solution

Capital
Capital Overview
Adequacy of Working Capital
Leverage of the Company
Other Sources of Capital
Interactive Exercise 3
Assessing Capital – Case Study
Assessing Capital Solution

Collateral
Collateral Overview
Assessing the Quality of Collateral
Interactive Exercise 4
Assessing Collateral – Case Study
Assessing Collateral Solution

Condition
Condition Overview
Assessing Industry Attractiveness
Assessing the General Business Environment
Assessing Competitive Positions
Loan Contract and Requirements
Interactive Exercise 5
Assessing Condition – Case Study
Assessing Condition Solution

Conclusion
Conclusion

Qualified Assessment
Qualified Assessment

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