Application of a systematic approach to credit analysis provides a more complete understanding of the risks to repayment and enhances the ability to communicate risk. This course presents the Repayment Analysis Framework, the general analytical framework for all Paragon Analysis programs, as the overall process for analyzing a credit. If the course is offered on a bank-wide basis, then the support and participation of senior management is critical to the successful application of the concepts. This course is recommended as the initial seminar within a training program.
- Analyze the qualitative and quantitative issues using a consistent framework.
- Identify and evaluate the primary and secondary sources of repayment.
- Determine the key credit risks and mitigating factors.
- Draw a conclusion regarding the capacity to repay as scheduled.