Credit and Finance Risk Analysis: The Complete Guide to Credit Analysis

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BASICS

Focus	What is the Focus of Credit Analysis ? What are the Five C's of Credit Analysis?
Types of Risk	Liquidity Risk; Credit Risk; Sovereign Risk; Market Risk; Settlement Risk; Interest Rate Risk; Foreign Exchange Risk; Capital Risk; Fraud Risk; Reputation Risk; Legal Risk; Operations Risk; Overhead Risk; Regulatory Risk; Economic Conditions Risk.
Basic Analysis	What are some of the Basic Analysis procedures in order to conduct credit analysis ?
Risk Assessment	What are some of the aspects of Risk Assessment and Risk Management ?
U.S. Economy	What are some of the issues having an effect on the U.S. Economy ? What are some of the U.S. Economic Indicators that should be reviewed ? What are the reasons behind the decline of the U.S. Financial Sector in 2008 ?
Accounting Issues	What are some of the recent Accounting Issues that affect credit analysis ?
Taxation	An international comparison of Corporate Tax Rates; An international comparison of VAT Tax Rates; Where can I obtain U.S. Federal Tax Forms and / or State Tax Forms ? An international directory of Revenue Departments; A guide to U.S. Business Taxation; A guide to U.S. Individual Taxation
Other Issues	What are some of the Political, Social and Environmental issues that should be considered ?

ANALYSIS

Banks	How do I analyze the Financial Statements of Banks ? What are some of the Legislation and Regulations that affect how banks operate ?
Finance Cos.	How do I analyze the Financial Statements of Finance Companies ?
Credit Unions	How do I analyze the Financial Statements of Credit Unions ?
Corporations	How do I analyze the Financial Statements of Corporations ?
Project Finance	What are some of the characteristics of Project Finance ?
Industries	Coal · Electric Power · Ethanol · Lumber · Natural Gas · Petroleum · Solar Power · Wind Power
Sovereign	How do I analyze the attributes of a Sovereign Nation ?
Comparative	Financial Accounting Terms in Dutch ; French ; German ; Italian ; Spanish
Risk Analysis	How do I measure and manage Investment and Portfolio credit risk ? What are CreditMetrics and VAR / Value At Risk credit risk ?

MARKETS & FINANCE

Banking	What are the characteristics of the Banking Sector ? What are some of the characteristics of Offshore Banking ? What are some of the principles of Islamic Banking & Finance ? How do Federal Farm Credit Banks operate ?
Debt	What are some of the products and characteristics of the Debt Markets ? Who are some of the issuers of debt such as Government Bonds; Supranational Organization debt issues; Federal Agency Debt; GSE (Government Sponsored Enterprise); Municipal Bonds; Build America Bonds; Corporate Debt; ABS (Asset Backed Securities) What is a Competitive Auction ? What is a Negotiated Sale ? How is a Taxable Equivalent Yield calculated ? How is the Current Yield calculated ? How is the Yield to Maturity calculated ? What is a Monoline Insurer of municipal bonds ?
Money Market	What are the characteristics of Money Market instruments ? What are the characteristics of the Federal Funds ? Discount Window ? Certificates of Deposit ? Eurodollars ? Banker's Acceptances ? Commercial Paper ?
Equity	What are some of the characteristics of Equity ? Preferred Securities; Convertible Securities; ADRs; Short Sale; Equity Exchanges; Alternative Trading Systems; Dark Pool / Crossing Network; Directory of Equity Exchanges; Which are some of the Equity Indices that measure equity market activity ?
Currencies / Forex	What is the Spot FX Market ? What is the Ask and what is the Bid ? What are the Major Currency Pairs ? What are some of the FX Trading Platforms ? What is the Base Currency and what is the Quote Currency ? What is a Pip ? Who are the major Interbank Dealers ? What are some of the FX Trading Risks ? How is the Clearing & Settlement of FX trades handled ? What are the Currency Abbreviations ? What are Currency Futures ?
Derivatives	What are some of the basic characteristics and functions of Derivatives instruments ?
Options	What are the different types of options, what are the characteristics of the products and how do the Options Markets function?
Futures	What are the different types of futures, what are the characteristics of the products and how do the Futures Markets function?
Forwards	What are Forward Contracts ?
Swaps	What are Swaps ?
Credit Derivatives	What are some of the different types of Credit Derivatives and what is its purpose ? What is a Credit Default Swap ? What is a Credit Index Event Contract / Credit Event Futures ? What is a Credit-Linked Note ?
Exchanges	Which are some of the Futures Exchanges on which commodities and financial futures products are traded ? Which are some of the Equity Exchanges on which equities are traded ? Which are some of the Power Exchanges on which electricity is traded ?
Trading & Clearing	What are some of the Electronic Trading Platforms ? How do Clearing Houses, ACH and EFTS confirm and settle transactions ?
Leasing	What are the various types of Leases that parties can enter into ?
REPO	What are the characteristics of Repurchase Agreements ?
Asset Securitization	How are Asset Securitization products structured ? What are MBS / Mortgage Backed Securities ? What are CMBS / Commercial Mortgage Backed Securities ? What are CMO / Collaterailzed Mortgage Obligations ? What are SMBS / Stripped Mortgage Backed Securities ? What are CBO / Collateralized Bond Obligations ? What are CLO / Collateralized Loan Obligations ? What are CDO / Collateralized Debt Obligations ? What are SPV / Special Purpose Vehicle and SIV / Structured Investment Vehicle?
Hedge Funds	How do Hedge Funds operate and what role do they play in the markets ?
Trade Finance, Forfaiting, International Shipping	What are some of the terms related to Trade Finance ? Who are some of the International Marine Carriers ? How do Container Ship Carriers operate ? How do Bulk Carriers operate ? How do LNG Carriers operate ? International Directory of Cargo Seaports How do Rail Line Freight Carriers operate ?
Insurance	What are some of the different types of Insurance Industry products ? Life Insurnace ? Health Insurance ? Property & Casualty ? Automotive ? Reinsurance ? Captive Insurance ? Marine Insurance ? Terrorism Insurance ? Crop Insurance ? Workers Compensation ? Surplus Lines ? What are Viatical Settlement & Senior Life Settlement ?
Credit Unions	What is the difference between a Federal Credit Union and a State Credit Union ? What is a Corporate Credit Union ? How are Credit Unions Regulated ? Directory of Credit Union Websites.
Money & Electronic Payments	How did Currency develop over time ? Checks; ABA Routing Numbers; Check 21; Debit Cards; ATM Networks; Credit Cards; Prepaid Storage Cards; Smartcards; Mobile Payments
Consumer Credit	What are some of the characteristics of Consumer Credit financial products such as Credit Cards and Annuities ?
Letters of Credit	Who are the parties involved in issuing a Letter of Credit and what is its purpose ?
SBA Lending	What are some of the characteristics of the Small Business Administration (SBA) loan programs ?
Taxi Medallion	How are Taxi Medallion Finance loans underwritten ?
Financial Centers	New York; London; Frankfurt; Dubai; Mumbai; Hong Kong; Shanghai; Tokyo; Grand Cayman Island - Business Travel Guide

COMMODITIES

Agriculture	What are some of the characteristics of U.S. Agruculture ? Commodity Credit Corporation; Federal Farm Credit Banks; GM Crops; Crop Measurement; Health Issues; Agriculture Research Resources
Coal	What are some of the different Typs of Coal ? Coal Mining; Coal Transportation; Coal Pricing; U.S. Coal Production; Environmental Issues related to the mining and burning of coal ? What is the Carbon Trading market and how is it utilized ? Coal Research Resources
Cocoa	How is Cacao Cultivated ? Cocoa Producing Nations; Cocoa Processing; Chocolate Manufacturers; Cocoa Research Resources
Coffee	How is Coffee Cultivated ? Coffee Producing Nations; Coffee Futures Market; Coffee Roasting; Coffee Producers; Fair Trade Coffee; Coffee Research Resources
Corn	What are some of characteristics of U.S. Corn Production ? U.S. Corn Consumption; Crop Measurement; Corn Futures Market; Ethanol Production; High Fructose Corn Syrup; Corn Research Resources;
Cotton	How is Cotton cultivated ? Cotton Producting Nations; How is Cotton Classified ? What are the dimensions of a Cotton Bale ? What is Cotton Ginning ? Cotton Supply & Demand; What is the Cotlook A Index ? Cotton Prices; Cotton Futures Contract U.S. Cotton Production; U.S. Cotton Subsidies; Cotton Research Resources
Dairy	What are some of the characteristics of U.S. Dairy Production ? Raw Milk Processors; Dairy Products; Health Issues; DEIP; MILC; Dairy Research Resources
Diamonds	What are some of the characteristics of Diamonds, the diamond trade and diamond jewelry?
Electricity	How is Electric Power generated ? Power Plant Design; Power Plant Fuels; Electricity Transmission; Electricity Distribution; Electricity Marketers; ISO / RTO / TSO; Wholesale Electricity Market; Electric Power Exchanges & Electricity Trading; Electricity Futures Market; Environmental Issues; How is Solar Powered Electricity generated? How is Wind Powered Electricity generated?
Ethanol	How is Ethanol produced ? Ethanol Refining; U.S. Ethanol Production; U.S. Ethanol Consumption; Brazil Ethanol Production; Ethanol Producers; Ethanol Futures Market; Biofuels; Biodiesel; Ethanol & Biofuel Research Resources
FCOJ	How is Frozen Concentrated Orange Juice produced and what affect the market price ?
Gold	What is the process of Gold Mining ? Directory of Gold Mining Companies; Gold Producing Nations; Gold Refining Process; London Fixing; Gold Weight & Fineness; Gold Weight Conversion; Gold Loan
Livestock	What type of conditions affect Livestock prices and what type of livestock is available to retail markets ?
Lumber	What are some of the different types of Softwoods and Hardwoods produced for commercial use ? How is Lumber Graded ? What is a Stumpage Fee ? What is a Timber Cruise Report ? How do I Clculate Board Feet ? What are the specifications for the CME Group Randon Length Futures Contract ? What effects Lumber Prices ? What is the Softwood Lumber Agreement 2006 ? What are some of the Environmental Issues related to the lumber industry ?
Natural Gas	How is Natural Gas produced and what affects the price ? How is Liquified Natural Gas produced ?
Petroleum	Who are the major producers and consumers of petroleum products and what are the different grades and usages of Petroleum ? What is the Cushing Delivery Point ? Refined Products; Diesel Fuel; Fuel Oils; Gasoline; Jet Fuel; No. 2 Heating Oil; Tar Sands; NYMEX Contract;
Soybeans	How are Soybeans produced, how are they used and what affects the market for soybeans?
Sugar	How is Sugar Cultivated ? Sugar Refining; Sugarcane; Sugar Beets; Sugar Futures Market; U.S. Production; India Production
Weather	How is Weather Risk measured and managed?
Wheat	Who are the producers and sources of Wheat and how is wheat used in consumer products ?

REAL ESTATE

Residential Property

How do I underwrite a Residential Property mortgage ? How do I compute a Monthly Payment using an HP-12C Calculator ? Who are some of the organizations active in the Secondary Mortgage Market ? How does a Reverse Mortgage / Home Equity Conversion Mortgage work ? What is a Coop Unit in a cooperative building ? Regulation Z

Commercial Real Estate

How do I analyze income producing Commercial Real Estate properties ? How do I analyze Hotel & Resort properties ? What are the specific requirements of a Commercial Real Estate Appraisal ? What is the Cost Approach to commercial real estate valuation ? What is the Sales Comprison Approach to commercial real estate valuation ? What is the Income Approach to commercial real estate valuation ? What is the Gross Income Multiplier to commercial real estate valuation ? What are the steps involved in a Commercial Real Estate Foreclosure ? How do I calculate the NPV / Net Present Value of a commercial real estate property ? What is a 1031 Exchange of "like kind" commercial real estate property ?

RESOURCES

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Research Links	Banking · Central Banks · Regulatory Agencies · Bankers Associations · Deposit Insurance · Mortgage Banking · Farm Credit Banks · Islamic Banks · Futures Exchanges · Equity Exchanges · Clearing & Settlement · Forex · Power Exchanges · Coal · Coffee Market · Cotton Market · FCOJ · Livestock · Lumber · Petroleum · Sugar · Weather · Sovereign Nations · Supranational Organizations · International Trade · Export Credit Agencies · Taxation · Legal · Professional Organizations · Research · Credit Rating · Publications & Media · Offshore Finance
Calculators	Fixed Rate Mortage · Mortgage APR · Fractions to Decimals · Annual Percentage Yield · Corn Bushels to Metric Tons · Cotton Acres to Hectares · Cotton Pounds to Kilograms · Gold Weight · Natural Gas · Natural Gas & No. 2 Oil · Crude Oil · Sugar Metric Tons to Tons · Wheat Bushels to Metric Tons · Temperature Conversion
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