SMEs account for the majority of businesses worldwide and are important contributors to job creation and global economic development. They represent about 90% of businesses and more than 50% of employment worldwide. They also contribute up to 40% of national income (GDP) in emerging economies. Due to this major role that SMEs play in most economies, this learning track is specifically designed to develop the analytical skills needed to assess the credit department in all banks of small and medium-sized enterprises in order to overcome the constraints between banks and SME clients and improve the overall SME lending process. This academy is a comprehensive track that includes 16 modules designed to improve the whole process for all employees. The journey explores the fundamentals of economics, accounting, and finance. Then it overviews industry analysis and management analysis. In addition, the SME academy introduces financial statement analysis including details related to cashflow statements that will help in performing the financial projection. A legal module is included to overview all the legal aspects related to SMEs. More modules like trade finance, post distribution, risk and portfolio management, lending rationale, sales skills, and relationship management are also provided to enrich the participants’ knowledge.
Explain the Asset conversion cycle analysis successfully.
Analyze financial statements and know how they are related to each other’s.
Recognize the uses of the financial statement
Discuss the Lending Rationales Identification Factors
Assess the risks involved in each of the settlement methods and how to mitigate them
Introduction
Credit Risk
Credit Analysis fundamentals
SME`s Features
Accounting Concepts
Recording Transactions
Measuring Income
Accrual Accounting and financial statements format
Accounting for Revenue
Statement of Cash Flows
Inventory
Long-Lived Assets & Depreciation
Liabilities and Interest Calculation
Equity
Introduction
Macroeconomics
Gross Domestic Product - GDP
Components of GDP
Inflation
Unemployment
Business Cycles
Monetary Policy
Fiscal Policy
Microeconomics
Consumer’s Theory
Firm’s Theory
International Economics
Introduction
Types of Industries
Industry Characteristics
External Factors
Porter’s Five Forces
Business Cycles
Porter’s Five Forces Analysis
SWOT Analysis
Comprehensive case Study
Introduction
Management Responsibilities
Vision and Mission
Management Profiles
McKinsey 7S Model in Evaluating Management
