Description	This seminar provides experienced bankers with a systematic method for analyzing the business and industry factors affecting commercial credits.
Primary Topics	Information sources and usage Behind the numbers analysis Competitive analysis Business demand Cost structures Comparative analysis Management strategies Effects of industry and business factors on creditworthiness and financial performance
Learning Objectives	This course provides participants with the improved ability to: Use systematic method of industry and business analysis Gather vital industry and business information Effectively question management Understand the impact of business and industry information on financial performance Prioritize key "behind the numbers" issues in analyzing creditworthiness Evaluate management business strategies.
Target Audience	Commercial lenders, credit analysts and financial analysts with at least one year of experience.
Eligibility	Participants should understand basic financial accounting and should have a fundamental understanding of financial performance measures and commercial credit.
Delivery	Combination of lecture, workshop and group presentations.
Length	Industry and business analytical framework of Linkage between "behind the numbers" factors and financial performance Focus on key issues for types of industries Information gathering process and sources Management business strategies Mini-case analyses selected industries and of competitor companies within these industries
Length	One day seminar with an optional second day for reinforcement of main teaching points through in-depth analysis of one industry and two competitors within that industry.