Credit Analysis & Smart Receivable Analysis

An Intensive 3-Day Training Course

Credit Analysis & Smart Receivable Analysis

We currently have no scheduled session for this Course. If you are interested in running this course, please contact our Training Department at

Why Choose this Training Course?

Why Choose this Training Course?

This Credit Analysis & Smart Receivable Analysis course covers a full range of tools and techniques to analyse the accounts and information of a company; to assess the credit risk and chances of non-payment and late payment from both existing and potential customers.

These skills will enable participants to provide support, financial information and analysis to make better decisions about granting credit.

Skills areas include:

  • Working with Financial Statements to review customers and potential customers
  • Fundamental Financial Analysis
  • Advanced financial and credit analysis
  • Financial and cash flow modelling for credit analysis
  • Analysis beyond financial statements, collection information about customers and potential customers to improve the assessment of credit risk

What are the Goals?

What are the Goals?

The objectives of this training course are to:

  • Be able to conduct other financial and non financial analysis of customers and potential customer to assess credit.
  • Assess credit risk and the impact of non-payment or late payment on the organization’s performance.
  • Review risk and return when assessing decisions about granting credit
  • Be able of construct financial models to assess a business’s credit risk including constructing a ratios template to produce a standardized approach to credit analysis.
  • Make better judgment when giving credit

How will this Training Course be Presented?

How will this Training Course be presented?

This will be a practical and interactive training course involving informal individual and group exercises and discussion. Ideally participants should bring with them samples of their own writing which they can use for the purpose of review during the course.

Daily Agenda

Day One: Fundamentals of Financial Analysis

  • Why give credit anyway?
  • What is “Smart Receivables” Analysis?
  • The Risk Reward trade off
  • Considering the key risks within your business
  • Risks and impact by:
    • Customer
    • Customer types
    • Market
  • International credit risk
  • Risks and impact of late payment
  • A review of the fundamentals of financial statements including underlying concepts
  • Creative accounting – how to spot it
  • Cash vs. Profit
  • How customers manage cash – basics
  • Working capital and cash flow ratios – their role in assessing credit risk


Day Two: Advanced Credit Analysis Tools and Techniques – “Smarter Analysis”

  • Ratios Measuring:
    • Profitability
    • Efficiency
    • Liquidity
    • Solvency
  • Inter firm comparison for ratios
  • How these ratios can be used when assessing credit risk
  • Z scores to predict bankruptcy
  • Redefining Z scores for your business / market
  • Using credit rating agencies – benefits and limitations
  • “Non Financials” to indicate potential credit risk – collecting “intelligence”
  • Assessing risks by market sector
  • Developing your own credit analysis and “Smart Receivables” check list when reviewing:
    • New Customers
    • Existing Customers
    • New Markets
    • Existing Markets
  • How customers manage their cash – advanced
  • Risks in customers’ Cash flow


Day Three: Financial Modelling Tools and Techniques for Credit Analysis

  • Modelling a business’s financial statements
  • Modelling cash flow with sensitivity analysis
  • Financial and cash modelling case study
  • Extended case studies to practice assessing credit risk
  • Review of real life cases
  • Action Plans



  • On successful completion of this training course, a PetroKnowledge Certificate will be awarded to the delegates

Frequently Asked Questions

How can I register for a training course?

  • To register online through our website, please click “Enroll Now” on the course page, complete and submit the form. A confirmation e-mail and instructions will be sent to the participant’s e-mail.
  • You may also get in touch with our Registration Team on
    +971 50 981 7386 | +971 2 557 7389 or send an email to

When and how do I arrange payments?

  • Payments can be made in USD or UAE local currency AED (Arab Emirates Dirhams) either by Bank Transfer or by Credit Card. Our Bank Account details will be provided on the invoice.
  • Course fees are payable upon booking unless a valid, authorized Purchase Order is provided and accepted.
  • Invoices will be sent via email/courier to the ID/name and address provided.
  • The course fee shall be settled prior to course start date. Corporate payments with existing payment policy shall be relayed to us in advance.

When should I expect to receive confirmation of registration?

Upon successful registration online, enrolment on the respective training course will be confirmed by Registration Team by e-mail along with the invoice and joining instruction.

Is there a discount for more than one registrant/course?

For corporate fees and group registration, please send your query to

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All rights reserved. Any unauthorized copying, distribution, use, dissemination, downloading, storing (in any medium), transmission, reproduction or reliance in whole or any part of this course outline is prohibited and will constitute an infringement of copyright.

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