Description	This course provides private bankers with fundamental credit analysis skills to evaluate and structure loans in the private banking market.
Primary Topics	Comprehensive Credit Analysis Framework. Cash Flow and Personal Financial Statement Analysis. Evaluating the Primary Source of Income. Restricted Stock and Private Company Valuation. Evaluating Character and Management.
Learning Objectives	This course teaches participants to identify the information necessary to support a credit request; use a variety of quantitative and nonquantitative techniques to evaluate the information; and design a credit structure that addresses the risks identified.
Target Audience	Private bankers and private banking credit administrators with one to three years experience. Small business commercial lenders who need to develop skills using personal tax returns to evaluate the financial strength of the principals behind commercial relationships. Commercial bankers making the transition to private banking. Trust officers who want to understand the principles of credit.
Eligibility	One year relationship management experience or its equivalent. Seminar: Video, case studies, and extensive "take away" materials (textbook and job aids).
Length	Three days: accelerated two day version for those with more experience or making the transition from commercial lending. About four to six hours of precourse work.