Business, Industry and Management Risk Assessment

This course is designed help participants integrate the analysis of risks associated with the industry, business and management of the company into the overall credit underwriting process.

Covered Topics

  • Determine the characteristics of manufacturers, wholesalers, retailers, and service companies.
  • Identify the advantages and disadvantages of firms in different stages of the industry life cycle including: emerging, growth, mature, and decline stages.
  • Understand the macroeconomic issues that create risk for businesses.
  • Review specific types of risk including: buyer/seller concentrations, exit and entry costs, cyclicality, international concerns, and vulnerability to substitutes.
  • Understand how specific business risks impact specific industries.
  • Analyze operating leverage, competition, concentrations, distribution, products and services, and production.
  • Understand how management can compound or allay risk.
  • Discuss management success criteria such as experience, integrity, philosophy, and style.
  • Review the flaws and pitfalls of management.

Who Should Attend?

Commercial lenders, credit analysts and small business lenders, consumer lenders, mortgage bankers and private bankers; loan review specialists, special assets officers, lending managers and credit officers.