Projections and Structuring from edX

This course is Part 4 of the Credit and Credit Risk Analysis Professional Certificate program from the New York Institute of Finance. In the first part of this course, you'll focus on Projections. You'll begin with a review of warning signs in financial statements and industry trends that signal financial deterioration. You'll review methodologies and approaches to performing financial projections and learn how to prepare financial projections of income statements, balance sheets, and cash flows.

In this course, you'll analyze and assess capital structures, debt capacity, and debt amortization. Learn how to make recommendations about possible financing structures based on financial condition, performance, and projections. This course will also cover how to sensitize projects for several scenarios.

In the second part of this course, you'll learn about structuring and touch on documentation. You'll review, analyze, and understand capital structure and financing needs for the company (borrower). You'll learn how to make risk decisions about existing and new credit exposure and recommend new-debt financing based on financial projections and borrower's objectives and needs. You'll also learn how to structure new debt facilities or funding arrangements based on assessment of risks, projections, and outlook. Lastly, the course will finish with a quick look at the principles of loan-portfolio management.

What's inside

Learning objectives

Financial warning signs, forecasting and projections
Capital structureand debt capacity
Structuring new debt, new exposures, and new facilities

Project finance
Loan portfolio management

Financial warning signs, forecasting and projections
Capital structureand debt capacity
Structuring new debt, new exposures, and new facilities
Project finance
Loan portfolio management

Good to know

Know what's good

, what to watch for

, and possible dealbreakers

Teaches standard industry financial forecasting

Examines capital structure, debt capacity, structuring new facilities, project finance, and loan portfolio management

Develops abilities to analyze warning signs, assess financial positions, make risk decisions, and perform financial projections

Instructed by well-known Tracy Williams

Could be useful for advisors, credit analysts, financial controllers, financial managers, and risk managers

Activities

Be better prepared before your course. Deepen your understanding during and after it. Supplement your coursework and achieve mastery of the topics covered in Projections and Structuring with these activities:

Review of 'Credit Risk Modeling and Management'

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Enhance your understanding of credit risk modeling and management by reading and summarizing key concepts from the authoritative text 'Credit Risk Modeling and Management'.

View Financial Markets and Institutions on Amazon

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Read assigned chapters
Summarize key concepts and models
Connect the book's content to the course materials
Discuss insights with classmates or the instructor

Online tutorials on structuring new debt

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Explore online tutorials and webinars to strengthen your knowledge of structuring new debt facilities and financing arrangements. This will help you make more informed decisions in your role.

Browse courses on Debt Financing

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Identify reputable online resources
Follow video tutorials and webinars on debt structuring
Take practice quizzes to test your understanding
Apply your knowledge through case studies

Collaborative project on capital structure analysis

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Engage in a group project to analyze real-world companies' capital structures, evaluate debt capacity, and present your findings. This hands-on experience will deepen your understanding of these concepts.

Browse courses on Debt Capacity

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Form a team with diverse skill sets
Select a company for analysis
Collect and analyze financial data
Develop a capital structure analysis report
Present your findings and receive feedback from peers

Three other activities

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Attend a workshop on financial modeling for credit analysis

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Participate in an immersive workshop that provides hands-on experience in financial modeling techniques specifically tailored to credit analysis. This workshop will equip you with practical skills for your professional role.

Browse courses on Financial Modeling

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Identify a relevant workshop
Register and attend the workshop
Actively participate in exercises and discussions
Network with industry professionals
Apply the learned techniques to real-world projects

Practice financial projections

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Complete problem sets and practice questions to solidify your understanding of financial projections, which play a crucial role in credit and risk analysis.

Browse courses on Financial Projections

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Review tutorial materials on financial projections
Analyze case studies and practice exercises
Utilize financial modeling tools to create projections
Obtain feedback on your projections from experts or peers

Case study analysis on loan portfolio management

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Conduct a thorough analysis of a loan portfolio, evaluating the performance, risk factors, and management strategies. This practical exercise will give you valuable insights into the complexities of loan portfolio management.

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Select a loan portfolio for analysis
Gather and analyze data on loan performance
Identify and assess risk factors
Develop recommendations for portfolio management
Present your findings and recommendations to peers or experts

Career center

Learners who complete Projections and Structuring will develop knowledge and skills that may be useful to these careers:

Financial Analyst

Financial Analysts provide financial advice and support to individuals and organizations. They analyze financial data, develop financial models, and make recommendations on investment strategies and financial planning. The Projections and Structuring course can be a valuable resource for Financial Analysts, as it provides a comprehensive understanding of financial projections, capital structure, and debt capacity. The course can help Financial Analysts enhance their skills in financial modeling and analysis, enabling them to provide more informed financial advice.

See salaries and explore the career path for Financial Analyst

Investment Analyst

Investment Analysts are finance professionals who perform research and make recommendations on investment decisions. They analyze financial data to identify potential investment opportunities, make risk assessments, and develop financial models to forecast returns. The Projections and Structuring course can be a valuable resource for Investment Analysts, as it provides in-depth knowledge on financial projections, capital structure, and debt capacity. The course can help Investment Analysts enhance their skills in evaluating investment opportunities and making informed investment decisions.

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Credit Analyst

Credit Analysts are responsible for assessing the creditworthiness of borrowers and making recommendations on lending decisions. They analyze financial statements, industry trends, and other relevant data to evaluate the risk of default and determine appropriate lending terms. The Projections and Structuring course can be highly beneficial for Credit Analysts, as it covers financial projections, capital structure, and debt capacity, which are key factors in credit analysis. The course can help Credit Analysts develop the skills and knowledge needed to make sound lending decisions.

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Portfolio Manager

Portfolio Managers are responsible for managing investment portfolios on behalf of clients. They make investment decisions, allocate assets, and monitor portfolio performance. The Projections and Structuring course can be beneficial for Portfolio Managers, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in portfolio management. The course can help Portfolio Managers make informed investment decisions and manage portfolios effectively.

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Financial Consultant

Financial Consultants provide financial advice and guidance to businesses and individuals. They analyze financial data, develop financial plans, and make recommendations on financial strategies. The Projections and Structuring course can be valuable for Financial Consultants, as it provides a comprehensive understanding of financial projections, capital structure, and debt capacity. The course can help Financial Consultants enhance their skills in financial analysis and planning, enabling them to provide more effective financial advice.

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Risk Manager

Risk Managers are responsible for identifying, assessing, and mitigating risks within an organization. They develop risk management strategies, implement risk controls, and monitor risk exposures. The Projections and Structuring course can be useful for Risk Managers, as it provides a framework for analyzing financial risks and developing risk management strategies. The course can help Risk Managers enhance their skills in risk assessment and management, enabling them to protect organizations from financial losses.

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Investment Banker

Investment Bankers provide financial advice and services to corporations and governments. They advise on mergers and acquisitions, capital raising, and other financial transactions. The Projections and Structuring course can be useful for Investment Bankers, as it provides knowledge on financial projections, capital structure, and debt capacity, which are key factors in financial transactions. The course can help Investment Bankers enhance their skills in financial modeling and analysis, enabling them to provide informed financial advice.

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Commercial Banker

Commercial Bankers provide financial services to businesses, including lending, cash management, and trade finance. They analyze financial statements, assess creditworthiness, and make lending decisions. The Projections and Structuring course can be beneficial for Commercial Bankers, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in lending decisions. The course can help Commercial Bankers enhance their skills in financial analysis and risk assessment, enabling them to make sound lending decisions.

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Auditor

Auditors examine and evaluate financial records to ensure accuracy and compliance with regulations. They perform financial audits, operational audits, and other assurance services. The Projections and Structuring course may be useful for Auditors, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in financial audits. The course can help Auditors enhance their skills in financial analysis and auditing techniques, enabling them to perform more effective audits.

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Financial Planner

Financial Planners provide financial advice and guidance to individuals and families. They develop financial plans, manage investments, and provide advice on retirement planning, estate planning, and other financial matters. The Projections and Structuring course can be useful for Financial Planners, as it provides a framework for analyzing financial data and developing financial plans. The course can help Financial Planners enhance their skills in financial planning and analysis, enabling them to provide more effective financial advice.

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Budget Analyst

Budget Analysts analyze and develop budgets for organizations. They review financial data, forecast revenue and expenses, and make recommendations on budget allocations. The Projections and Structuring course may be useful for Budget Analysts, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in budgeting. The course can help Budget Analysts enhance their skills in financial analysis and budgeting techniques, enabling them to develop more effective budgets.

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Financial Controller

Financial Controllers are responsible for managing the financial operations of an organization. They oversee accounting, financial reporting, and internal controls. The Projections and Structuring course may be useful for Financial Controllers, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in financial management. The course can help Financial Controllers enhance their skills in financial planning and analysis, enabling them to manage financial operations more effectively.

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Tax Accountant

Tax Accountants prepare and file tax returns for individuals and businesses. They analyze tax laws and regulations, and advise clients on tax planning strategies. The Projections and Structuring course may be useful for Tax Accountants, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in tax planning. The course can help Tax Accountants enhance their skills in financial analysis and tax planning techniques, enabling them to provide more effective tax advice.

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Loan Officer

Loan Officers evaluate loan applications, assess creditworthiness, and approve or deny loans. They analyze financial statements, industry trends, and other relevant data to make lending decisions. The Projections and Structuring course can be beneficial for Loan Officers, as it provides knowledge on financial projections, capital structure, and debt capacity, which are key factors in lending decisions. The course can help Loan Officers enhance their skills in financial analysis and risk assessment, enabling them to make sound lending decisions.

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Mortgage Broker

Mortgage Brokers assist borrowers in obtaining mortgages for the purchase or refinance of real estate. They analyze financial data, compare loan products, and negotiate with lenders on behalf of borrowers. The Projections and Structuring course may be useful for Mortgage Brokers, as it provides knowledge on financial projections, capital structure, and debt capacity, which are important factors in mortgage lending. The course can help Mortgage Brokers enhance their skills in financial analysis and mortgage lending techniques, enabling them to provide more effective mortgage services.

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Projections and Structuring

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