00Days00Hrs00Mins00Secs
Mar 03 2025

Understanding the Borrowings Needs of  Businesses(Mar. 3-4) In-person

  • 9:00am
  • National Banking College

Background

Just like a doctor, a borrowing needs analysis enables a lender to determine the cause, rather than the symptoms of an underlying CASH NEED of a business. A diagnosis of needs allows the lender to provide appropriate solutions i.e. facility type, loan tenor, repayment source, etc. of the loan request.

Programme Objectives

  • Distinguish between the customer’s stated loan purpose – how borrowed funds will be used, and the borrowing cause – the underlying reason why the company needs to borrow.
  • Be able to estimate the actual borrowing amount of the client using business and financial data.
  • Be able to determine timing and repayment sources.
  • Spot other lending opportunities arising from a myriad of business and financial trends.

Course Outline

How to identify short-term, seasonal and long-term sales growth patterns.
What operating cycle slowdown means and its effect on borrowing.
What are the implications of financing liabilities.
Financing investment in fixed assets.
Other causes of borrowing.
Identifying multiple borrowing causes of a borrower’s business – case study.

Target Group

  • Senior Credit Analysts/Credit Analysts
  • Senior Relationship Managers/ Relationship Managers
  • Credit Approvers
  • Senior Credit Administrators
  • Business Heads involved in Lending Activities

CostN/A

To register, contact the programmes secretariat now !

+233 (0) 302 760006