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Provided by: FitchTraining Intensive Bank Analysis Community Regional BanksAccounting and Finance |
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Training
Provided by FitchTraining
A two-day workshop for credit risk management, origination and fixed income professionals focusing on the opportunities and threats for US money centres and regional banks.
Related Awards, Degrees or Certifications: Earn CPD credits
We are an accredited training provider with a number of institutions including:
ACCA
NASBA
Securi
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Intensive Bank Analysis Community Regional Banks
Course Objectives
Participants will be equipped to:
Apply a structured approach to identify strong and weak performers, incorporating financial, qualitative and market indicators
Recognise early warning signals of credit deterioration
Understand impact of key economic, political, regulatory and supervisory issues
Assess risks in inter-bank exposures & relative value in bank securities.
Target Audience
This workshop is targeted at an intermediate level for credit risk management, origination, fixed income and regulatory professionals but is also suitable for a wider audience who wish to understand the key risk drivers of community and regional banks. The two day workshop Introduction to Bank Financial Statements is designed as a preparation for those with limited accounting and banking experience. Our other Intensive Bank Analysis workshop covers a similar analytic approach with larger international banks and Emerging Market Banks and Sovereigns focuses on emerging markets. Other complementary workshops include Risk Management in Banks & the Capital Implications, Trading Risks in Financial Institutions and Early Warning Signals in Financial Institutions.
The majority of Fitch Training programmes are offered at an intermediate and advanced level. There are no specific prerequisite courses to attend our programmes, however some topic knowledge maybe required. Please refer to the target audience to see what level of prior knowledge is required for a specific course.
Content
ANALYTIC OVERVIEW
Structured approach to credit analysis - purpose payback model
CAMEL (capital, assets, management, earnings & liquidity)
Rating agency approaches: issuer ratings, individual / financial strength and support ratings
Market perspective on credit - equity indicators, credit default swap and bond market indicators
OPERATING ENVIRONMENT
Macro economic issues
Sub-prime and other drivers of the credit crunch
Competitive and structural issues
Regulation and supervision: federal and state level
Liquidity, capital adequacy (Basel II), deposit insurance and other regulations
FINANCIAL FUNDAMENTALS
Statement logic
Relating business mix to balance sheet and income structure
Accounting policies: GAAP and statutory filings
Business risk
Loan quality - portfolio analysis, problem loans and reserve adequacy
Mortgage exposures: on and off balance sheet, servicing rights, gain on sale
Trading, investment and derivatives risk - VAR and other models
Fair value accounting for trading and investment portfolios
Financial risk
Funding risk - stability and variety of funding sources, contingency funding
Securitization - benefits and risks of off balance sheet funding vehicles
Gap and liquidity management
Capital adequacy - size, quality and adequacy of capital base
Performance risk
Balancing the risk / return profile: net interest; gain on sale, trading and commission income
Income stability & expense control
Early warning signals
Financial and non-financial indicators
MANAGEMENT, FRANCHISE AND OWNERSHIP
Management
Strategy, systems, skills, structure
Risk management: credit, market, operational and liquidity
Franchise
Franchise - sources and measures
Ownership structure
Bank holding companies, conglomerates, double leverage
SUPPORT
Solvency versus liquidity problems
Lender of last resort.
Participants will be equipped to:
Apply a structured approach to identify strong and weak performers, incorporating financial, qualitative and market indicators
Recognise early warning signals of credit deterioration
Understand impact of key economic, political, regulatory and supervisory issues
Assess risks in inter-bank exposures & relative value in bank securities.
Target Audience
This workshop is targeted at an intermediate level for credit risk management, origination, fixed income and regulatory professionals but is also suitable for a wider audience who wish to understand the key risk drivers of community and regional banks. The two day workshop Introduction to Bank Financial Statements is designed as a preparation for those with limited accounting and banking experience. Our other Intensive Bank Analysis workshop covers a similar analytic approach with larger international banks and Emerging Market Banks and Sovereigns focuses on emerging markets. Other complementary workshops include Risk Management in Banks & the Capital Implications, Trading Risks in Financial Institutions and Early Warning Signals in Financial Institutions.
The majority of Fitch Training programmes are offered at an intermediate and advanced level. There are no specific prerequisite courses to attend our programmes, however some topic knowledge maybe required. Please refer to the target audience to see what level of prior knowledge is required for a specific course.
Content
ANALYTIC OVERVIEW
Structured approach to credit analysis - purpose payback model
CAMEL (capital, assets, management, earnings & liquidity)
Rating agency approaches: issuer ratings, individual / financial strength and support ratings
Market perspective on credit - equity indicators, credit default swap and bond market indicators
OPERATING ENVIRONMENT
Macro economic issues
Sub-prime and other drivers of the credit crunch
Competitive and structural issues
Regulation and supervision: federal and state level
Liquidity, capital adequacy (Basel II), deposit insurance and other regulations
FINANCIAL FUNDAMENTALS
Statement logic
Relating business mix to balance sheet and income structure
Accounting policies: GAAP and statutory filings
Business risk
Loan quality - portfolio analysis, problem loans and reserve adequacy
Mortgage exposures: on and off balance sheet, servicing rights, gain on sale
Trading, investment and derivatives risk - VAR and other models
Fair value accounting for trading and investment portfolios
Financial risk
Funding risk - stability and variety of funding sources, contingency funding
Securitization - benefits and risks of off balance sheet funding vehicles
Gap and liquidity management
Capital adequacy - size, quality and adequacy of capital base
Performance risk
Balancing the risk / return profile: net interest; gain on sale, trading and commission income
Income stability & expense control
Early warning signals
Financial and non-financial indicators
MANAGEMENT, FRANCHISE AND OWNERSHIP
Management
Strategy, systems, skills, structure
Risk management: credit, market, operational and liquidity
Franchise
Franchise - sources and measures
Ownership structure
Bank holding companies, conglomerates, double leverage
SUPPORT
Solvency versus liquidity problems
Lender of last resort.
About The Training Provider: FitchTraining
FitchTraining - Fitch Training is a specialist training firm focused on the provision of credit and corporate finance training. Courses are offered in three areas: financial institutions, corporate credit and securitization. Fitch Training is part of Fitch Solutions, a division of the Fitch Group. We also work in partnership with Fitch Solutions to provide quantitative training.
Fitch Training operates...
