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What will you learn about?

Moody’s Small Business Lending course is specifically designed with small business lenders in mind. Through a combination of innovative online learning tools, students will gain the knowledge they need to guide small business owners in the financial aspects of their operations. Students will gain the knowledge and confidence required to:

  • Identify business lending opportunities
  • Understand small business operations, the construction of financial statements and general accounting principles
  • Review financial ratios and understand their value in assessing business strengths and weaknesses
  • Align owners’ personal financial situations with their businesses

Additionally, the course assesses the lender’s ability to work through a real business lending scenario through a practical simulation of the full application, analysis, and decision process.

What is the course syllabus?

Topics covered in the course include:

Financial Risk Assessment

  • Credit Analysis Foundation – Financial Risk
  • Businesses and Their Borrowing Needs
  • Profitability Ratios
  • Activity Ratios
  • Capital Spending, Leveraging, and Debt Coverage
  • Cash Flow Analysis and Projections
  • Personal Financial Statements
  • Personal Financial Ratios

Market Risk Assessment

  • Credit Analysis Foundations – Market Risk
  • Business Environment
  • Competition
  • Company Vulnerability

Management Risk Assessment

  • Credit Analysis Foundations – Management Risk
  • Management Integrity and Scope
  • Management Skill and Execution

How will you learn?

The course is taught online and is composed of 15 modules representing the topics of study. Each module consists of:

  • A module introduction video to highlight the key concepts taught.
  • A diagnostic test to help you identify areas where you should focus your studies.
  • 2 to 4 interactive lessons (video/games), each estimated to take 20 to 30 minutes. Each lesson ends with a quiz to help reinforce the concepts reviewed in the lesson.
  • An end of module online exam, to test your mastery of the principles in the module.

 

Simulation exercise: The simulation assesses the lenders’ ability to apply what they’d learned by working through a real business lending scenario. You are required to gather data, analyze credit risk and recommend a loan decision and structure, and then compare your decisions and recommendations with those of an expert.

Course Completion

Upon completion of Moody’s Small Business Lending course, learners will gain a deeper understanding of businesses and their borrowing needs, evaluate risks, and make good credit decisions.

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