Risk Analysis for Specialized Loans

Financial services professionals, consultants, and sales professionals interested in providing or selling products and services to retail banks, and anyone interested in understanding how bank branches operate

Please contact us for information about prerequisites.

Expected Duration
60 minutes

Asset-based loans, such as accounts receivable loans and inventory-based loans are ways for companies to free up cash flow that can be used for funding other working capital requirements. These specialized loans, in which a company’s noncash assets that are expected to be converted to cash sometime in the future – such as accounts receivable and inventory – are converted into cash by a bank. This type of lending is generally used when lending from other places in the market is difficult or impossible. Another form of lending is participation lending, which allows many banks to control their credit risk by contributing smaller amounts to a larger loan. In case of a default, the funds at risk are much smaller than if one bank took the whole loan upon itself.
This course introduces accounts receivable and inventory-based loans and the ways to analyze risks associated with these. It then briefly investigates participation loans and focuses on critical points that an analyst must consider when dealing with participation loans.


Specialized Loans

  • select components of accounts receivable and inventory-based loans
  • identify the accounts receivable risk
  • recognize characteristics of specialized loans

Risk Analysis

  • recognize characteristics of accounts receivable
  • select steps to prevent accounts receivable loans’ risk
  • identify components considered during risk assessment of inventory-based loans
  • select the key features of a participation loan
  • recognize characteristics of risk analysis





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