Courses




Courses


Accounting and Credit

        International Financial Reporting Standards (IFRS)

Objectives · The amendments of the international accounting standards
· Show the difference between the national and international standards
· Effects Recognition of the changing in national standards to international standards and its effects on financial Statements
· Present the most important standards which it wasn't included in national standards
· Raise the Participants efficiency for International standards
Contents First Day :  
  • Standards and International financial Reporting Standards Concepts.  
  • Accounting Standards and International financial Reporting Standards Importance. 
  • Accounting Standards and International financial Reporting Standards using Resons.  
  • Accounting Standards and International financial Reporting Standards using goals.
  • Second Day : 
  • Transformation from national standards to international stadards. 
  • IAS 01 
  • IAS 32
  • Third Day :
    · IAS 39IFRS 39, IFRS 7 , IAS 07
    Fourth Day:
    · IAS 02 , IAS 18 , IAS 23
    Fifth Day:
    · IAS 17
    · IFRS 4
    · IAS 08
    Schedules (2)


    Assistant Underwriting

            Assistant Underwriting Officer

    Objectives · Underwriting Goals and Activities
    · Underwriting Policy and Manuals
    · Main information sources of underwriting
    · Liability Underwriting
    · Underwriting According to the Regulatory Framework in Saudi Arabia
    Contents First day:
    · Underwriting and its objective.
    · Underwriting instructions.
    Second day:
    · Main information sources of underwriting.
    Third day:
    · Objectives of regulating underwriting.
    · Main roles of underwriting assistants.
    Schedules (3)


    Banking Operations


    Banking Regulation

            Anti Money Laundering - Foundation

    Objectives The objectives are currently available in Arabic language only.
    Contents The contents are currently available in Arabic language only.
    Schedules (2)

            Anti-Money Laundering Awareness

    Objectives · Understand AML.
    · Understand Terrorist Financing.
    · Risk Recognize.
    · Awareness of Penalties.
    · To protect Financial System.
    Contents First Day:
    · Introduction+ Definitions
    · AML steps
    · Financial Activities
    · Penalties-AML
    · AML Law
    · Difference between AML and CTF
    Schedules (3)

            Corporate Governance - Foundation

    Objectives
    Contents
    Schedules (2)

            FATCA

    Objectives · Understand the FATCA requirement application
    · How to answer the questions of employees of financial institution or non-financial
    · How to answer customer inquiries
    · Updating customers information for the purpose of implementing FATCA
    · Know the required documents and forms related to the application of the FATCA
    Contents First Day:
    · Defining Money Laundering U.S. Foreign Account Tax Compliance Act (FATCA)
    · U.S. Persons: Definition
    · Additional Information required
    · W9
    · W8 - BEN-E
    Second Day:
    · Foreign Account Tax Compliance Act (FATCA) Policy .
    · Newly account opening process .
    · Customer Due diligence related FATCA .
    · Updated customer information.
    · Customer Account Classification .
    · Legal Entities Work follow - Non - Individual Classification .
    · Financial Entities - Identification - Financial Entities - Documentation .
    · Financial Entities - Banks - Financial Entities - Other than Banks - Non-Financial Entities Identification, Documentation & Reporting Workflow.
    Schedules (1)

            Islamic Banking - Foundation

    Objectives
    Contents
    Schedules (2)

            Legal Principles of Banking & SAMA Regulations

    Objectives The objectives currently is available in Arabic language.
    Contents The content currently is available in Arabic language.
    Schedules (2)

            Methods of Detecting Counterfeiting in Banknotes

    Objectives The objectives are available in Arabic language only.
    Contents The content is available in Arabic language.
    Schedules (2)

            Methods of Detecting Forgery in Documents & Signatures

    Objectives · Understanding Types of documents and methods of maintains them.     
    · Understanding Methods of Forgery in Documents & Signatures.
    Contents First day:
    · Types of documents and methods of maintains them.
    Second day:
    · Methods of Forgery in Documents & Signatures.
    · Methods of Detecting Forgery in Documents & Signatures.
    Schedules (2)


    Capital Market


    Claims Foundation

            Insurance Claims - Foundation

    Objectives · Claims settlement principles.
    · General tools for investigating claims .
    · Verification of property loss and seeking assistance from property claims adjusters.
    · Identification and investigation of insurance frauds.
    · Regulatory Compliance Procedures.
    · Saudi regulations related to processing and settling claims and to customers complaints.
    Contents First day:
    · Function of Claims and the Code of Professional Conduct .
    Second day:
    · Claims Processing.
    · Handling Frauds.
    Third day:
    · Processing Property Claims and Liabilities.
    · Processing Claims Under the Regulatory Framework in Saudi Arabia.
    Schedules (2)


    Credit Cards

            Compliance - Foundation

    Objectives · Ensure that employees are aware of their compliance responsibilitie.
    · Mitigate the risk of compliance breaches.
    · Encourage a better workplace compliance culture.
    · Remove legal liability from the organization in the event of wrongdoing.
    · Protect the organization's reputation.
    Contents First Day:
    · The Structure of the Saudi Financial Services Industry.
    · The Requirements of Saudi Financial Services Regulation.
    · The Principles and Implications of Sharia Law..
    Second Day:
    · Principles and Impact of Compliance.
    · The Principles and Impact of Fraud.
    · Requirements of a Code of Conduct.
    Third Day:
    · The Role of Regulators.
    · Principles of Financial Crime and Prevention.
    Schedules (2)


    Customer Service

            Customer Service

    Objectives · Skills Development for Dealing with Customers
    · Skills Development for Communicating with Customers
    · Knowing How to Achieve Customer Satisfaction
    · Understanding Customer Personalities and How to Deal With Each Type
    · Learning How to Solve Customer Problems
    · Understanding How to Deal With Difficult Customers
    Contents First Day:
    · The Basic Principles of CS.
    · Skills for Dealing with Customers.
    · CSR Traints.
    Second Day:
    · Skills for Communicating with Customers.
    · Common Mistakes in Communicating with Customers.
    · Customer Satisfaction.
    Third Day:
    · Understanding Customer Personalities.
    · Dealing With Difficult Customers.
    Schedules (3)


    English for General Purposes


    Governance

            Governance 101

    Objectives · To have participants learn the main tools enabling them to become specialists in the field of governance
    · To be able to meet the rules, prerequisites and policies of the Capital Market Authority
    · To be able to develop a sound methodology for the organization's governance and to support its internal change mechanisms
    · To be acquainted with tools used in developing policies and measures that would ensure the implementation of the organization's governance
    · Understanding the process of change, planning, strategic regulation, and change within the organization
    Contents First Day:
    · Duties of Officials Concerned with Governance at Joint-Stock Companies
    · Disclosure Instructions in Saudi Arabia
    · Case Study 2
    · The Impact of the Implementation of Governance on the Public Sector
    Second Day:
    · Main Principles of Governance for Banks Operating in Saudi Arabia
    · Governance and Change Management
    Schedules (7)

            Governance of the Board of Directors

    Objectives · To gain familiarity with the governance mechanism of the Board of Directors (BoD)'s functioning
    · To identify conflicts of interests and methods for preserving and safeguarding rights
    · To segregate duties between the Board's chairman, the executive management and Board members, and the effect it would have on the performance and outputs of the organization
  • · How to employ general assemblies to improving performance
  • · Methods of setting up work policies and the procedures of the BoD
  • · Formation mechanism of the BoD and signs of independence
  • · To gain familiarity with the main tools that enable Board members to enhance and develop the BoD's functioning
    · To develop sound methodologies for the BoD's work governance and the mechanism for supporting its internal change
    · To be familiarized with tools used in developing policies and procedures related to the BoD's and to the implementation of governance within the organization
    · To prevent any conflicts of interests and carry our segregation of duties required between the executive management and the BoD, as well as enhancing the methods of supervision of the organization's performance
    · To obtain the ability to meet the rules, prerequisites and policies of the Capital Market Authority and to achieve efficient performance
    Contents  First Day:
    · Types of Boards of Directors
    · BoD's Formation Mechanism
    · Membership Criteria for Boards of Directors
    · Work Mechanism of and Segregation of Duties Between the Executive Management and the BoD
    · Signs of Independence Within the BoD
    · Case Study 1
    · Capital Market Authority's Corporate Governance Regulation
    · Case Study 2
    Second Day:
    · Sound Methodology for Annual Report Preparation
    · Role and Work Mechanism of Board's Secretary
    · Case Study 3
    · Management Mechanism of General Assemblies According to Best International Practices
    · Conflict of Interests and Methods of Prevention
    · Case Study 4
    · Annual Evaluation of the BoD
    Schedules (3)

            Joint Stock Companies Committees operating framework

    Objectives · To have participants learn the main tools enabling them to become specialists in the field of governance.
    · To be able to meet the rules, prerequisites and policies of the Capital Market Authority.
    · To be able to develop a sound methodology for the organization's governance and to support its internal change mechanisms.
    · To be acquainted with tools used in developing policies and measures that would ensure the implementation of the organization's governance.
    · Understanding the process of change, planning, strategic regulation, and change within the organization.
    Contents     First Day:
    · Types of Board Committees
    · Committees' Formation Mechanism and Objectives
    · Standards of Membership within Board Committees
    · Functioning Mechanism of and Segregation of Duties Between Committees
    · Case Study 1
    · Internal Audit Committee and Candidacy and Rewards Committee
    · Case Study 2
    · Capital Market Authority's Corporate Governance Regulation
    Second Day:
    · The Governance Committee, its Functioning Mechanism and Its Role in General Assembly Meetings
    · Duties and Competences of Chairmen and Members of Board Committees
    · Case Study 3
    · Interconnectedness of Delegation of Authority Matrix between the Board of Directors and the Organization's committees
    · Assessment of Board Committees
    Third Day:
    · Understanding Customer Personalities
    Schedules (6)


    Insurance Foundation

            Insurance - Foundation

    Objectives · What is insurance, and how it works
    · Basic principles of insurance
    · Insurance contract - Elements and issuance requirements of insurance policy
    · Reinsurance
    · Components of issuance market and related regulators      
    · Retail and wholesale insurance products
    Contents First day:
    · Risks and Insurance.
    Second day:
    · Insurance Principles.
    Third day:
    · Insurance Contract - Key Players in the Market
    Fourth day:
    · Insurance Transaction Measures and Policies - Insurance Products     
    · Customers Service Principles - Risks and Constraints of Insurance Market
    Schedules (4)

            Insurance Manager - Module 1

    Objectives · The characteristics of the different business lines of the insurance industry
    · The purpose, and the impact, of capital adequacy on insurers
    · Regulatory capital requirements and the capital allocation of different insurance sub-sectors
    · Solvency ratios and Analysis and of key insurance ratios
    · The relationship between growth and profitability in the insurance industry
    · Insurance (industry) cycle management
    Contents First Day:
    Insurance business lines and balance sheet management
    Second Day:
    Capital adequacy and balance sheet management
    Third Day:
    Interconnection between pricing, growth, profitability and balance sheet management
    Schedules (1)

            Sales - Foundation Insurance

    Objectives · Nature and objectives of marketing
    · Insurance services marketing
    · Customers' attitude and factors affecting the decision of purchasing
    · Definition and role of sales
    · Identifying objectives, their importance and what they represent to the sales department
    · Sales quotation, planning the course of sales and the concept of personal selling
    · Functions and duties undertaken by sales agents in analyzing customers' needs and completing transactions
    Contents First day:
    · Introduction to Insurance Market.
    Second day:
    · The Difference Between Marketing and Sales - Definition of Customers.
    · The Concept of Personal Selling and Sales Quotation.
    Third day:
    · Sales - Sales Definition - Sales Planning.
    Insurance Market Risks.
    Schedules (3)


    Investment

            Asset Allocation and Portfolio Construction Simulation - Module 2

    Objectives The key objective of the program is to develop core portfolio construction and asset management skills, in addition to the following: 

    Understand portfolio construction technique from basic to advanced 

    Learn how to incorporate risk and return beliefs into a quantitative model 

    Math and programming skills to implement optimal portfolio search 

    Apply portfolio construction techniques to a global set of asset classes 

    Understand the relevance of portfolio construction techniques to achieve objectives
    Contents Day 1

    - Traditional mean-variance theory

    - Investor utility and risk aversion

    Day 2

    - Constructing a portfolio

    - Developing a capital market line

    - Optimizing the portfolio

    Day 3

    - Applying the portfolio to stocks and bonds

    - Basic Math for modeling

    - Using Excel to model asset portfolios

    Case Study

    - Construct a mixed bond and equity portfolios drawn from major global and regional indices with 2-3 assets
    Schedules (1)

            Asset Allocation and Portfolio Construction Simulation - Module 3

    Objectives The key objective of the program is to develop core portfolio construction and asset management skills, in addition to the following: 

    Understand portfolio construction technique from basic to advanced 

    Learn how to incorporate risk and return beliefs into a quantitative model 

    Math and programming skills to implement optimal portfolio search 

    Apply portfolio construction techniques to a global set of asset classes 

    Understand the relevance of portfolio construction techniques to achieve objectives
    Contents Day 1

    - Introduction to VBA

    - VBA fundamentals

    Day 2

    - Constructing a portfolio (VBA)

    - Optimizing the portfolio

    Day 3

    - Mean-variance portfolio issues

    - Advance modeling techniques (Black-Litterman, Shrinkage etc.)

    Case Study

    - Construct a mixed bond and equity portfolios drawn from major global and regional indices with 7-10 assets
    Schedules (1)

            Certificate in Financial Modeling - FitchLearning

    Objectives This course covers all the key aspects of the financial crime agenda. It takes a global view of transnational crime and illustrates practical defenses.
    Contents First Day:
    The main subjects covered are:
    · Introduction
    · Develop a "toolkit" of Excel tips and techniques
    · Sensitise and stress test Excel outputs from models
    · Problem solve within an Excel environment
    · Analyse large volumes of data
    · Rank data and analyse large data volumes
    · Data mine large data volumes and analyse
    · Confidently use Excel's keyboard shortcuts to improve their speed and efficiency
    · Confidently develop Excel formulae in order to build robust solutions
    · Quickly and consistently format presentation-quality spreadsheets

    Second Day
    N/A

    Third Day
    Understanding Customer Personalities.
    Schedules (1)

            CFA Level 1 Boot Camp - FitchLearning

    Objectives This course covers all the key aspects of the financial crime agenda. It takes a global view of transnational crime and illustrates practical defenses.
    Contents First Day :
    The main subjects covered are:
    · Ethical and Professional Standards
    · Quantitative Methods
    · Economics
    · Financial Reporting and Analysis
    · Corporate Finance
    · Equity Investments
    · Fixed Income
    · Derivatives
    · Alternative Investments
    · Portfolio Management and Wealth Planning
    Second Day:
    N/A
    Third Day:
    Understanding Customer Personalities.
    Schedules (1)

            CISI Combating Financial Crime - FitchLearning

    Objectives This course covers all the key aspects of the financial crime agenda. It takes a global view of transnational crime and illustrates practical defences.
    Contents First Day:
    The main subjects covered are:
    · Introduction Background of financial crime.
    · Money Laundering.
    · Terrorist Financing.
    · Corruption and Bribery.
    · Combating Financial Crime.
    · Role of the Private Sector.
    Second Day :
    N/A.
    Third Day:
    Understanding Customer Personalities.
    Schedules (1)

            CISI Introduction to Securities and Investment - FitchLearning

    Objectives Look at non-traditional asset classes such as alternative investments and the benefits and challenges associated with incorporating such investments into a portfolio. Finally, the programme concludes with the fundamentals of performance measurement to enable participants to assess the success or failure of a portfolio in the context of the risk taken.
    Contents First Day:
    The main subjects covered are:
    · Introduction
    · Economic environment
    · Financial assets and markets
    · Equities
    · Bonds
    · Derivatives
    · Investment funds
    · Financial services regulation
    · Other financial products

    Second Day:
    N/A

    Third Day:
    Understanding Customer Personalities.
    Schedules (1)

            CISI Islamic Finance Qualification - FitchLearning

    Objectives This course covers all the key aspects of the financial crime agenda. It takes a global view of transnational crime and illustrates practical defences.
    Contents First Day:
    The main subjects covered are:
    · Introduction
    · The basics of Islamic banking and finance
    · Islamic law of contracts
    · Financial techniques applied by Islamic banks
    · Islamic asset and fund management
    · Sukuk market
    · Islamic insurance - Takaful
    · Financial statements for Islamic banks
    · Islamic corporate governance
    Second Day:
    N/A
    Third Day:
    Understanding Customer Personalities.
    Schedules (1)

            Financial Analysis & Forecasting - Euromoney

    Objectives Financial analysis and forecasting is a course designed to provide those wishing to acquire a detailed introduction to the subjects of accounting and financial analysis with the essential knowledge required.

    The course is in the style of a series of presentations interspersed with case study material. Delegates are required to carry out a significant amount of financial manipulation and will involve the use of spreadsheet software in a number of cases.

    The case studies are designed to enable the delegate to take ownership of the knowledge offered by applying it to a case immediately after the relevant presentation. This is further reinforced by the completion of group cases towards the end of the course.

    The course is ideal for managers, analysts, consultants, entrepreneurs and others who seek a proper grounding in the fundamentals of financial analysis and forecasting.
    Contents The main subjects covered are: The Profit & Loss Account and the Balance Sheet
  • Ratio analysis for financial analysis purposes
  • Cash Flow Analysis
  • Overview of current International Accounting Standards and global accounting
  • Recognising Accounting Abuses
  • Cash flow discounting and it s application to real world situations
  • Analysing management information
  • Project Analysis, Net Present Values and IRR's
  • Use of spreadsheets and spreadsheet risk
  • Forecasting using spreadsheet software.
  • Presenting financial information
  • Schedules (1)

            Fundamentals of Investment Management - FitchLearning

    Objectives This course covers all the key aspects of the financial crime agenda. It takes a global view of transnational crime and illustrates practical defences.
    Contents First Day:
    The main subjects covered are:
    · Introduction.
    · Understand what institutional investors are and how they operate.
    · Identify the characteristics of the principal asset classes.
    · Identify and distinguish between the principal investment products.
    · Understand the importance of establishing investor preferences.
    · Understand the basic principles of portfolio construction.
    · Distinguish between active and passive portfolio strategies and styles.
    · Differentiate between equity and fixed income management styles.
    · Understand the interaction between institutional investors and . brokers/investment banks.
    Second Day:
    N/A
    Third Day:
    Understanding Customer Personalities.
    Schedules (1)

            Portfolio Management Techniques - Euromoney

    Objectives Look at non-traditional asset classes such as alternative investments and the benefits and challenges associated with incorporating such investments into a portfolio. Finally, the programme concludes with the fundamentals of performance measurement to enable participants to assess the success or failure of a portfolio in the context of the risk taken.
    Contents First Day:
    The main subjects covered are:
    · Key elements of the investment process including modern portfolio theory.
    · Valuation and investment approaches for bonds, equities and alternative investments.
    · Appreciate the specifics of portfolio construction in different markets.
    · Gain an insight in alternative investment strategies and the key differences between alternative asset classes from an investment management perspective.
    · Performance measurement, evaluation and attribution.
    Schedules (1)

            Tadawul Exam Preparation Course

    Objectives The objectives are available in Arabic language only.
    Contents The contents are available in Arabic language only.
    Schedules (4)


    Management and Supervision


    Office Management

            Common Reporting Standards (CRS)

    Objectives · Concepts and the special standards CRS.
    · Commitments importance, the regulatory and legislative framework.
    · The Mechanism of compliance and apply , and build the road map for commitment.
    · The best practices and methods in CRS .
    · Analytical thinking and planning to overcome the challenges in apply CRS.
    · The process of selection and classification of accounts and their associated.
    Contents First Day
    · the concepts and the common reporting standards CRS .
    Second Day
    · CRS framework , the legislative and requaltory.
    Third Day
    · Account selection and classification.
    Fourth Day
    · Mechanism of compliance and application.
    Fifth Day
    · Duties , roles and implementation plan.
    Schedules (2)

            Principles of Value Added Tax (VAT)

    Objectives · List the main registration criteria for VAT.
    · Calculate basic VAT return forms.
    · Explain the concept of VAT refund.
    · Explain why imports are usually taxable and exports usually zero-rated.
    · Describe the role of Customs in the processing of VAT.
    · Provide the KSA policy decision regarding some economic sectors like education, health, real-estate market and financial services.
    · Name the main VAT administration business processes.
    Contents     First Day:
    · VAT Basic.
    Second Day:
    · VAT Specifics.
    Third Day:
    · VAT Admin Overview.
    Schedules (2)

            Self-Management

    Objectives · Understanding the human self that is connected to needs, expectations, values, interests and skills
    · Understanding the aspects of the human self; namely, reflections, emotions, behaviors and time, that should be Managed
    · Studying time wasters and exploring methods for time management
    · Understanding the sources of stress in personal life and work, and how to overcome them.
    · Developing positivity and learning its benefits
    · Developing interpersonal skills at work and in personal life     
    · Developing communication skills at work and in personal life
    Contents First day:
    · Self-management fundamentals.
    · Time management.
    · Coping with stress.
    Second day:
    · Cordial interaction with others.
    · Positive state of mind.     
    · Communication skills.
    Schedules (3)


    Retail Banking

            Credit Risk that Affect Customers

    Objectives · Acquiring knowledge on credit risks customers are exposed to.
    · Learning about risk management methods.      
    · Learning about risks measurement and evaluation tools.
    Contents First day:
    · Introduction to Bank Credit.
    Second day:
    · Sources of Credit Risks Affecting Customers.
    Third day:
    · Credit Risks Measurement and Evaluation.
    Credit Risk Management.
    Schedules (2)

            Introduction to Loan Processes

    Objectives · To acquire knowledge of and understand risk sources impacting bank customers
    · To acquire knowledge of and understand Bank Loan Extension Requests and Procedures
    · To acquire knowledge of and understand Loan Extension Standards
    · To acquire knowledge of and understand customers' responsibilities toward loans
    Contents First day:
    · To acquire knowledge of risk sources impacting bank customers.
    Second day:
    · Bank Loan Extension Requests and Procedures.
    Third day:
    · Loan Extension Standards.
    Fourth day:
    · Customers' Responsibilities Toward Loans.
    Schedules (2)

            Retail Banking Foundation

    Objectives The objectives are available in Arabic language only.
    Contents The contents are available in Arabic language only.
    Schedules (3)

            Retail Banking Operational Risk Management

    Objectives · Understanding all sorts of potentially unusual or suspicious transactions.
    · Describing indicators used in the detection of unusual or suspicious transactions.
    · The protocol for handling suspicious transactions and referral to the appropriate official.
    · Learning about measures necessary for the management of operational risks.     
    · Learning about regulatory requirements related to operational risks.
    Contents First day :
    · Understanding all sorts of potentially unusual or suspicious transactions.
    · Describing indicators used in the detection of unusual or suspicious transactions.
    · The protocol for handling suspicious transactions and referral to the appropriate official.
    Second day :
    · The protocol for handling suspicious transactions and referral to the appropriate official.
    · Learning about regulatory requirements related to operational risks.
    Schedules (2)

            The Retail Banking Operations

    Objectives · Knowing retail banking transactions.
    · Knowing procedures of opening account.
    · Knowing account settlements.       
    · ATM transaction management .
    Contents First day:
    · The procedure of retail banking transactions.
    · The procedures of opening account.
    Second day:
    · The procedures of money transfer and account suspension.
    Third day:
    · The procedures of settlements.
    Fourth day:
    · ATM transaction management.
    Fifth day:
    · Cash Monitoring.
    Schedules (1)


    Small and Medium Enterprises

            Product Development For SME Banking

    Objectives · Understand the importance of SME's product development in light of banks' policy &strategy, keeping in mind project life cycly and risks
    associated to it
    · Capability to design & develop new SME's products based on banks' competitive advantage for current & potential customers.
    · Understanding different pricing strategies and advantage of each strategy.
    · Capability of proper pricing for each product.
    Capability to measure the profitability of each product
    Contents First Day:
    · Module 1: Introduction to Project management.
    · Key areas of project management directly related to the process of product development and how to implement them.
    · The project life cycle and the different tools utilized in project management.
    · The role of the project manager in defining the responsibilities related to that role.
    · Risks associated to the project management process and how to mitigate these risks.
    Second Day:
    · Module
    · Product/Service Segmentation and Targeting
    · Module 3: New products, Services
    · Development and Design for SME Banking
    Third Day:
    Module 4: Building a Competitive Product and Service Range for SME Banking. Module 5: Key Success Factors for SME Product Development (workshop).
    Schedules (3)

            SME's Credit Analysis

    Objectives · Learn &understand the importance of credit analysis.
    · Use analytical tools & technicians.
    · Evaluate enterprise performance qualitatively & quantitatively.
    · Use cash flow analysis to ensure enterprise's ability to meet its debt in due time.
    · Use credit analysis as a tool to evaluate enterprise performance.
    · Evaluate enterprise credit wortness.
    Contents First Day:
    · Macro considerations.
    · Operating environment.
    · Sector.
    · Management and Shareholders.
    · Management performance.
    · Corporate aims and goals and their effect on the company's future.
    · Shareholder structure, support and influence.
    · Illustration case study: identify management strengths and weaknesses and shareholder structure /support.
    Second Day:
    · Business RiskBusiness strategy
    · Earnings dynamics
    · Asset management
    · Cash flow drivers
    Third Day:
    · Financial Risk
    · Financial strategy
    · Liquidity
    · Solvency
    Schedules (3)

            SME's Financial Statement Analysis

    Objectives · Capability to analyze financial statements and figures.
    · Understand the importance of financial statements in SME' s funding decision.
    · Understand basic concepts and challenges of financing SME's.
    · Learn how to deal effectively with borrowers.
    · Learn the rules of financing SME's.
    Contents · Module 1: Basic Concepts of Small and Medium Enterprises.
    · Definition of small and medium enterprises.
    · Characteristics of small and medium enterprises.
    · The strategic importance of small and medium enterprises.
    · The characteristics of entrepreneurs.
    · Challenges facing small and medium enterprises.
    · The basic requirements of financing SMEs.
    · Module 2: Requirements of Financing Small and Medium Enterprises.
    · How to communicate and deal effectively with the borrowers.
    · The general rules of financing small and medium enterprise's
    · The general framework of credit analyses.
    · The credit worthiness and determining financing gaps.
    · The elements of the credit study.
    · Loan cycle.
    Second Day:
    · Module 3: Mechanisms of Financing Small and Medium Enterprises.
    · Module 4: Risks of Financing Small and Medium Enterprises.
    Third Day:
    · Module 5: Principles of marketing and Sale.
    Schedules (3)