The manual is broken down into six main units:

• The First Unit, consisting of the Theoretical Framework, describes in detail the basic elements needed to conduct an adequate credit analysis;

• The Second Unit describes the different modes of financing offered by credit programs, and models the application for working capital and fixed assets credits;

• The Third Unit describes what an investment plan is and what characteristics it should have in order to be useful to the loan officer in his or her duties;

• The Fourth Unit describes and enumerates the principal criteria (financial and others) that the loan officer should consider to determine not only the approval of a credit but also the terms under which it will be granted. The section on financial criteria places special emphasis on the importance of financial projections as a basis for defining the terms and characteristics of a credit;

• The Fifth Unit describes the functions and objections of a credit committee and lists the steps the loan officer should follow in placing an application before the committee; and

• The Sixth Unit is composed of a list of illustrative cases concerning the various circumstances that can arise in processing a loan. The section uses descriptions of fictional clients and their businesses to illustrate a range of decision-making options that the loan officer faces daily in the process of credit analysis. The cases are hypothetical situations rather than numerical problems.

Download price USD13.50 (Spanish); USD9.00 (English)