Saudi Arabia
Egypt
UAE
Canada
Financing Small and Medium Enterprises
Accreditation Number: 115352155
Approval
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This course explains the key principles of financing small and medium-sized companies, with a primary focus on credit risk analysis, lending decision-making, appropriate risk intermediation, and customer relationship management. Understanding the challenges faced by small and medium-sized business owners is essential to providing excellent service and making sound credit decisions.
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By the end of this course, participants will be able to:
• Know what small and medium-sized enterprises need in terms of specific financial services and products according to their relatively small size and often limited scope.
• Understand the informal or semi-formal environment in which SMEs operate; Hence, knowing how to deal with limited access to reliable or audited financial data
• Realize that the financial institution must carefully analyze the customer's situation and verify oral or internal statements since audited financial statements and sound business planning may not be available
• Make lending decisions based on financial considerations and risk appetite once data is collected and verified
- Understanding Small and Medium Enterprises
- The Importance of SMEs
- Key Characteristics of Small and Medium Enterprises
- Types of Small and Medium Enterprises and Their Financial Needs
- The Operational Cycle of Working with SMEs
- Functions of SME Support Units in Banks
- Credit Terminology
- Types of Credit
- Steps in Credit Analysis
- Introduction to Financial Analysis
- Sources of Information Needed for Financial Analysis
- Importance and Objectives of Financial Analysis
- Functions and Characteristics of a Financial Analyst
- Steps in Financial Analysis
- Financial Statements
- Liquidity Ratio Analysis
- Activity Ratios Analysis
- Debt Ratio Analysis
- Profitability Ratios Analysis
