Core Credit Skills Workshop – Part 4
Core credit skills begin with the ability to evaluate a borrower’s financial health through careful examination of financial statements, tax returns, cash flow and key performance ratios.
Beyond the numbers, strong credit professionals develop the judgment to understand the quality of earnings, the sustainability of revenue, and the adequacy of collateral as a secondary source of repayment.
They learn to understand qualitative and quantitative risk and learn to evaluate the risks, make a decision and put together an appropriate structure to protect the bank.
