Early Warning Signals for Distressed SMEs

This program has been designed for relationship managers and banking executives working in SME corporate credit lending across Egypt. In meeting its overall objectives, the program will address the specific areas of the identification of early warning signals and its associated risks to identify potential problems with corporate clients before they materialize, to avoid default among client companies. During the program, we will review financial Early Warning Signals as part of the course, within the SME client’s markets including what can be considered as ‘red flag’ levels for those financial ratios, however, the core emphasis of this program will be on assessing and identifying defects and mistakes being made by client companies before they are translated into symptoms of decline, as expressed by the financial statements. External, strategic, and management risk analyses will therefore be major areas of analysis. In addition to the identification of Early Warning Signals, the course will focus on remedies for SME problem loans that the banking team can seek to implement to avoid a further deterioration in the client company’s position and to avoid eventual default. Debt restructuring and problem loan workouts will however be the subject of a separate, online course.