Credit Reasoning and Report Writing

Credit Reasoning and Report Writing Training in Dubai focused on the preparation of credit approval documents that summarize succinctly the overall credit risk exposure that an institution is asked to take on.

This topic is increasingly recognized by key institutions as a significant skills gap in their staff. In an age where data proliferates, senior credit professionals in many financial institutions have lamented that credit approval documents are often lengthy, sometimes reaching 30 to 50 pages containing a high volume of data without adding significant insight.

Elevator analysis is prevalent in some parts of the industry and although possessing strong analytical skills many analysts lack the ability to summarize their findings succinctly.

Learning Objectives


  • Write credit approval documents that are clear, concise, consistent, complete and cashflow focused
  • Select information for inclusion in credit approval documents that is relevant for the decision maker and focused on key risks and mitigants
  • Write a financial risk analysis that is supported by facts
  • Describe the key facility risks and how these will be mitigated by the suggested loan structure
  • Use executive summaries to communicate the key issues to decision makers
  • Practically apply the learning through group exercises and case studies

Course Outline

Qualities of a Good Credit Approval Document

  • Importance of effective but simple sentence structure, using short words and simple language
  • The 4 golden rules and the 5C’s of a credit approval document
  • Avoiding vague concepts and ambiguity
  • Passive and active writing
  • Purpose of using tables, numbers and graphs
  • Using the practical work aides (Tool Book) provided to improve the participants’ own approval documents
  • Considering the importance of information – is it essential, necessary or simply nice to know?

Effectively Summarizing Business Risks

  • Business risk analysis and it forms part of the credit application document
  • How to decide what information to use
  • Qualitative analysis
  • Structuring the analysis
  • Case study – Breakout groups

Effectively Summarizing Financial Risks

  • The four pillars of financial analysis
  • Key drivers of cash flow
  • Ratio analysis
  • Exercise – Financial ratios
  • Writing opinions and judgments and supporting them with facts
  • Avoiding elevator analysis
  • Case Study

Effectively Summarizing Transaction and Structure Risks

  • Debrief of the case study
  • Transaction specific risks
  • The three types of subordination
  • Borrowing causes and loan structure
  • Mitigating risk through loan structure
  • Case study – Practically apply the learning

Executive Summary

  • The rules of Executive Summary
  • Why an executive summary is needed
  • How to write an executive summary
  • Case Study – Write an effective executive summary

The Recommendation and Individual Writing Sample

  • Writing a compelling recommendation
  • Linking the recommendation

Who Should Attend?

  • Credit personnel who wish to sharpen their skills in credit reasoning and writing
  • For new hires with a knowledge of credit analysis
  • All staff involved with the preparation of credit approval documents including (Senior) Relationship Managers
  • Risk managers
  • Credit Analysts

This Training course is available on multiple locations including but not limited to Dubai-UAE, London-UK, Istanbul-Turkey, Baku-Azerbaijan, Singapore.