Learning Objectives
By the end of this module, you will be able to:
Understand the Purpose and Structure of a Credit Paper
Recognise how credit papers support new lending, amendments, and annual reviews.
Understand how well-structured, fact-based writing leads to faster, better-informed decisions.
Know the Core Components of a Strong Credit Paper
Learn the key sections of a credit paper: Client Overview, Industry Context, Management Capability, Financial Analysis, Key Risks, Covenants, PD and LGD, Security, Alignment with Credit Policy, and Recommendations.
Understand how each part contributes to a balanced and complete credit assessment.
Analyse and Interpret Financials
Use Profit or Loss, Balance Sheet, and Cash Flow information to assess the client’s financial performance and position.
Identify financial trends, business drivers, and red flags that affect repayment capacity.
Apply forecast and downside sensitivity analysis to test resilience under stress.
Communicate with Clarity and Purpose
Write concise, well-structured credit papers that focus on substance over jargon.
Link financial performance to lending structure, identified risks, and mitigants in a clear and logical way.
Apply Best Practices
Align your credit paper with the lender’s credit policies, risk appetite, and commercial objectives.
Use covenants, security, and structuring tools to strengthen the deal and mitigate risk.
Deliver a professional, decision-ready credit paper that demonstrates both technical competence and commercial acumen.
