The First Local Bank has initiated a project to develop a brief 30-minute in-class training program for senior and junior credit analysts working within corporate and SME departments. The primary objective of this program is to equip credit analysts, who possess diverse levels of experience, with the necessary skills to efficiently and consistently fill out a complete credit assessment memorandum (CAM). 

This training program aims to ensure that these professionals are well-versed in the complexities of properly filling out a complete and consistent CAM, hence enabling informed decision-making by credit committee members. This strategic endeavor aims to enhance the overall quality of the bank’s credit portfolio by minimizing non-performing loans (NPLs), hence avoiding financial losses. 

 

Objectives 

By the end of this training program, learners will be able to properly fill out a complete and consistent credit assessment memo (CAM) by achieving the below main and supporting

objectives: 

1. Identify the core purpose of a CAM given a sample credit assessment memo with at least 90 % accuracy. 
2. Describe the structure of a CAM with 100% accuracy and with no assistance. 
3. List the main sections of a CAM with their respective sources of information, 
4. Highlight the significance and purpose of each section for decision-making 
5. Conduct a comprehensive analysis of financials, risk, and collateral with an accuracy rate of 90% or higher using a complete set of financial statements and a CAM template 
6. Highlight the significance of financial and risk analysis in credit decision-making 
7. Accurately record the outcomes in the designated sections of the credit assessment memo 
8. Synthesize a conclusion and a recommendation that integrates the assessment findings and highlights their implications with consistency and with no errors. given a filled-out CAM and a checklist.