Understand How Banks Actually Think About Credit
From banking fundamentals to the logic behind a business lending decision.
The approach
Built from practice, not theory
Bank finance looks opaque from the outside and procedural from the inside. This programme connects the two: what a credit team examines, why it examines it, and how a proposal reads when it is prepared well.
It suits banking teams building depth and non-banking professionals who need to work confidently alongside institutions.
Who it is for
The audience
- Banking and credit team members
- Relationship and business-banking staff
- Finance and accounts teams in businesses
- Professionals supporting funding proposals
- MSME owners who want to understand lending
What is covered
Programme content
- 01Banking fundamentals and account structures
- 02Types of business finance and where each fits
- 03Working capital assessment and the operating cycle
- 04Reading financial statements for credit purposes
- 05Loan documentation and security basics
- 06How institutions evaluate business proposals
Learning outcomes
What participants can do afterwards
Outcomes are written as capabilities, because that is what a training budget is actually buying.
- 01
Distinguish between term and working-capital structures confidently
- 02
Read a balance sheet and P&L with a credit lens
- 03
Identify documentation gaps before submission
- 04
Understand the questions a credit team will raise
- 05
Communicate a funding requirement clearly
Training formats
Delivery options
Classroom
Facilitated in-person sessions for a defined group.
Corporate
Delivered at your workplace for teams and functions.
Workshop
Short, focused sessions on a single capability.
Online
Remote delivery for distributed participants.
Hybrid
A combination of in-person and remote sessions.
Available delivery modes are confirmed for each engagement at the scoping stage.
Customisation
Shaped to your group
Sessions can be weighted toward banking operations, credit assessment or business-side funding preparation depending on the audience.
Programmes are led by Finsutra's founder, a Cambridge-certified trainer with more than thirty years in financial services.
Trainer expertiseEnquiry
Tell us who needs the training
We will respond with suggested content, duration and a delivery format that fits the group.
FAQs
Common questions
Related training programmes
- 01
Financial Services Training
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- 02
Insurance Training
Fundamentals, suitability and honest conversations — for teams that advise on protection.
- 03
Financial Literacy Training
Plain-language programmes that help people use banking, credit, loans and insurance with confidence.
Next step
Build Financial Capability That Works in the Real World.
Tell us about the team, the level and the outcome you need. We will propose a programme around it.