TALAL ABU-GHAZALEH & CO

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					TALAL ABU-GHAZALEH COLLEGE OF BUSINESS


    presents a workshop on
 ADVANCED CREDIT ANALYSIS
         for Bankers



              in cooperation with the
     TAG Center for Business Research

       Canisius College, New York

          May 30 – June 3, 2010
            June 6-10, 2010



       TALAL ABU-GHAZALEH COLLEGE OF BUSINESS
                  104 MECCA STREET
                AMMAN 11192, JORDAN
                  TEL. 962-6-550-9222


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OBJECTIVES
The primary objectives of the workshop on Advanced Credit Analysis for Bankers
are:

    To provide more sophisticated and comprehensive tools in analyzing the credit
     worthiness of a loan applicant.

    To gain a better understanding of the financial statements of the borrowers and
     the disclosures that should be made.

    To prepare the participants to make complete and thorough presentations of
     their recommendations.

    To provide participants with the tools of determining the value of business
     enterprises.

   The successful participants should be able upon the completion of the workshop
   to:

           Conduct a complete and thorough evaluation of the financial aspects of
            a loan application.
           Assess the cash flow potential of the applicant and the cash coverage
            of debt service.
           Evaluate the economic significance of the project to be financed along
            with industry risks.
           Evaluate the business plan presented by the applicant and the quality of
            management.
           Provide full support for the recommendations made.
           Estimate the value of an operating business organization.


PARTICIPANTS
      Bank loan officers and senior financial analysts.
      Branch managers and division chiefs.
      Financial officers of business organizations.
      Senior marketing personnel.
      Participants interested in negotiating bank loans.

   Participants should have an understanding of basic financial and managerial
   accounting.

   Participation is limited to 30 participants.




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WORKSHOP OUTLINE
          Cash Flow Statement Preparation and Analysis.
          Evaluation of Customers’ Projections and Conducting Sensitivity
           Analysis.
          Understanding the Preparation and proper Classification of Financial
           Statements with an appreciation for the various accounting alternatives that
           may be used.
          Understanding Credit Analysis Concepts such as:
            Free Cash Flow Concept.
            Traditional Cash Flow Concepts.
            Traditional Debt Service Coverage.
            Cash Coverage of Debt Service.
            Cash Gap.
            EBITDA.
            Break Even Point.
          Financial Statement Analysis including the Balance Sheet, the Income
           Statement and the Statement of Cash flows.
          Various Revenue Recognition procedures (e.g. construction companies,
           franchises, and service establishments).
          Time Value of Money Concepts and Capitalization Concepts.
          Long Term Leases.
          Assessment of Management’s Abilities.
          Understanding Industry Characteristics and the Economic Environment.
          Case Studies: Evaluation of Actual Loan Requests.
          Other subjects of interest to the participants.



WORKSHOP METHODOLOGY
The workshop will be an interactive workshop that involves short lectures, group
discussions, detailed case studies and especially a lot of interaction between the
instructor and the participants and among the participants themselves. The cases used
in the workshop are actual loan applications (with names and key facts disguised).
After the instructor has developed the tools and techniques of modern credit analysis
through lecture and discussion, the participants will have the opportunity to work in
small groups and conduct a complete credit analysis on the case studies. The results of
the small group studies will be thoroughly discussed by the entire workshop
participants.



WORKSHOP MATERIAL
The workshop material has been prepared specifically by the instructor to meet the
needs of the workshop participants. It includes textual coverage of important topics in
credit analysis and of case studies based on actual loan applications.

Workshop participants are asked to bring with them a financial calculator.

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WORKSHOP LEADER: DR. EDWARD J. GRESS, Ph.D., ACPA
Dr. Edward J. Gress is a professor accounting at Canisius College in Buffalo, New
York, where he has also served as Chairman of the Department of Accounting and
Director of Graduate Accounting Programs during the period 1986-2002. Since 1988
Dr. Gress has assumed the role of Director and Principal Researcher of the TAG
Center for Business Research, a center that specializes in accounting and business
studies related to the Arab World. Dr. Gress is also the Senior Advisor to the Talal
Abu-Ghazaleh College of Business and was instrumental in launching the college and
its programs.

Dr. Gress obtained a Ph.D. degree in Accounting from the University of Arizona after
obtaining a Bachelor of Business Administration degree and a Master of Business
Administration degree from the American University of Beirut. He also attended
Stanford University and received a Certificate in International Financial Management.

The academic and business experience of Dr. Gress covers many years and several
countries. He started his teaching career at the American University of Beirut and has
taught at the University of Arizona, the University of Saskatchewan in Canada, the
University of Louisiana, the American University in Cairo, and Canisius College in
Buffalo. His business experience includes active participation in real estate
development and financing. He also served as a consultant to manufacturing and
service companies, and to large real estate and oil and gas syndicates. Dr. Gress has
also served as a consultant to companies engaged in environmental remediation work,
fast food franchising, and oil services companies.

Dr. Gress has published a number of books and journal articles. His work in
investment analysis was nationally recognized by the prestigious Freedoms
Foundation at Valley Forge that awarded him in 1985 and in 1986 the George
Washington Medal for excellence in teaching the free enterprise system. His most
recent work involved the writing of income tax guides for each of the Arab countries
and for preparing the examination syllabus for candidates who seek to pass the Arab
Certified Accountants Examination

In addition to formal teaching and business consulting, Dr. Gress is active in the
presentation of in–house training seminars to financial institutions especially banks, to
government agencies, and to industry in the U.S. and overseas. In the Arab World he
presented seminars and workshops in Bahrain, Jordan, Kuwait, Lebanon, Oman,
Qatar, Saudi Arabia, and the United Arab Emirates.

The teaching style of Dr. Gress and his interactive teaching with students and seminar
participants has earned him the Outstanding Professor Award from the Canisius
College Alumni Association in 1995. In 1992 Dr. Gress received the Outstanding
Accounting of the Year Award for his numerous contributions to the field of
accounting and accounting education. He has also received two teaching awards
from the MBA Alumni Association in 1983 and 1986.




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LANGUAGE
The Language of the Workshop is English.


CERTIFICATES
Upon completion of the workshop, participants will receive Continuing Professional
Education certificates from the Talal Abu-Ghazaleh College of Business.


FEES
The fee for workshop including the workshop material, coffee/tea breaks, snacks and
lunch is:

                                     JD 500

Fees are payable in advanced by check to:
       -   Bank Name: HSBC Bank Middle East, Western Amman Branch.
       -   Account Name: Al-Majmouah Al-Esteshareh Fr Prof (Talal Abu-Ghazaleh
           College of Business).
       -   Account Number: 006-047120-001
       -   Swift Code: BBMEJOAX.

LOCATION OF THE WORKSHOP
The workshop will be held at the Talal Abu-Ghazaleh College of Business, 104
Mecca Street, Amman, as follows:

                             May 30 – June 3, 2010
                             June 6-10, 2010
                             9:00 a.m. – 5:00 p.m.




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     REGISTRATION FORM
First Name:                         Father Name:            Family Name:

Date of Birth:                      Place of Birth:

Nationality:

Qualifications:

  Education level     University/                  Years       Major       Certificate
                      Institute                 (From/To)




Languages:


Related Experience:




Organization:


Title/ Position:


Present Address:


P O Box:                            City:

Postal Code:                        Country:


Telephone:                          Fax:


Mobile:                             Email:                      Website:




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