1. Credit Risk Skills Workshop Training Evaluation Report
Evan Williams Consultancy Limited

2. Credit Risk Skills Workshop
Contents
Page
Overview 2
Introduction 3
Summary results 5
Conclusion 16
Recommendations 17
Appendix
Question scores by delegate 19
Course score by delegate 21
Report complied by Evan Williams on 26th January 2017
/ [07758]
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3. Credit Risk Skills Workshop
Overview
This report has been produced following the successful launch of the Credit Risk Skills workshop run between the 24th and 25th of January 2017 for X Bank which took place at their Bristol office
The aim of the workshop was to help raise the standard of credit analysis within the Relationship Manager population
Five delegates were chosen, by X Bank, to attend the inaugural workshop, each with differing experiences of and time within the banking sector
The workshop was preceded by a pre course activity
All five delegates attended the two day workshop
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4. Introduction The Pre Course Activity
The pre course activity [sent to delegates two weeks prior to the workshop] consisted of a set of financial accounts and a credit paper which set out a potential lending opportunity for a manufacturing business
The delegates were asked to provide their comments upon:
The main areas of strengths within the proposition?
The main areas of concern within the proposition?
What additional documentation they would like to see?
Their analysis of the financial accounts?
Debt service, supporting comments with calculations?
What further information they would like?
What they would like to cover on the workshop?
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5. Introduction The two day workshop
The agenda for the subsequent workshop consisted of the following topics:
Financial Statements – The Basics!
Due Diligence [which included a lengthy debrief of the pre course activity]
Working Capital
Operating Cash Flow and CFADS
Financial Ratio Analysis
Break Even Analysis
Risk Awareness
CAMPARI Analysis
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6. Summary Results Feedback
Prior to the end of the workshop on day two, the five delegates were asked to provide their feedback on the pre course activity, the workshop content, the relevance of the content to their role and whether the workshop would benefit them [and colleagues] in their current and future roles
Questions 1 to 8 asked for a score of between 1 to 10 where 1 is considered “Poor” and 10 is considered “Excellent”
The following is a summary of the ten questions asked of the delegates:
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7. 8.2 Summary Results Average Score
Q1. I felt the pre course work was useful and helpful to my learning?
Most comments were positive though it was suggested that it may have been more useful to use a case study that represented the types of businesses favoured by X Bank
Comments included:
“I thought it was good; thought provoking and made me recall past training …”
“a real life example of X customers … would have been helpful”
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8. 9.4 Summary Results Average Score
Q2.I was actively engaged and encouraged to participate and share my opinion?
Very positive comments with all delegates expressing the opinion that they felt able and comfortable to talk freely and ask questions
Comments included:
“I think Evan encouraged us all to participate…”
“Lots of opportunities to ask questions and get involved”
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9. 9.2 Summary Results Average Score
Q3. I found the content of the course extremely useful?
Again very positive comments especially around the fact that the course contented blended financial analysis with more wider thinking around the business environment and the assessment of management
Comments included:
“Will use all that was on the course. Parts on calculating ratios was really good”
“It was good to look at both the financials and other considerations of a proposal”
Page 8 of 21

10. 8.6 Summary Results Average Score
Q4. I found the training logical and easy to follow?
Mostly comments were positive though it was suggested that there was a lot of content which was difficult to cover, at the depth required, over just two days
Comments included:
“Evan explained things well and was happy to expand upon things when questioned”
“I felt there was a lot of content for 2 days and some a little rushed through but great on the whole”
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11. 9.2 Summary Results Average Score
Q5. I was given ample opportunity to demonstrate my knowledge and [newly learnt] skills?
Very positive scores though very few comments
Comments included:
“The work book activities were good”
Page 10 of 21

12. 8.8 Summary Results Average Score
Q6. How would you rate how much you have learnt?
All positive comments with requests for opportunities and the time to put the learning into practice
Please note that only four of the five delegates scored this question
Comments included:
“Very useful skills + tools to apply…”
“I cant remember it all so it may be higher than 8 when I look through the notes”
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13. 8.8 Summary Results Average Score
Q7. I will be able to apply what I have learnt to my job?
Positive comments and scores across the five delegates
Comments included:
“All will be used in my job”
“A few things might not be relevant yet but is helpful to know”
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14. 9.8 Summary Results Average Score
Q8. I would recommend this workshop to one or more of my colleagues?
The top rated question with comments supporting the scores given
Comments included:
“All RMs should do the course and new members of credit”
“Great to have some formal training at last to re-affirm existing knowledge but pick up some new skills”
“100% would, even if people have plenty of previous experience”
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15. N/A Summary Results Average Score
Q9. The greatest strengths of the course are:
Comments included:
“Evan – I think he did a good job of presenting the information explained to us”
“Great interaction with Evan and fellow colleagues”
“Learning the ratios for future credit apps”
“Evan’s enthusiasm / experience + delivery of workshop”
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16. N/A Summary Results Average Score
Q10. The course could be improved by:
Comments included:
“Some slightly more relevant examples of typical X businesses + less of what we don’t do”
“Three days would be more beneficial”
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17. Credit Risk Skills Workshop
Conclusion
With each question achieving an average score greater than 8 out of 10 [range 8.2 : 9.8] and with substantially positive comments, it would appear that this inaugural workshop has been a tremendous success
The five delegates now need to be given the time and opportunity to put their new learning into practice to ensure that they embed that learning quickly
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18. Recommendations
A follow up review with the five delegates at the end of February 2017 to gain their feedback on whether they have since had an opportunity to use the analysis skills covered during the workshop and whether they have received any positive comments from Credit
Offer the workshop to additional Relationship Managers within X Bank, regardless of experience
Use a case study throughout the training that is more in line with the type of business that is viewed favourably by X Bank
Anecdotal feedback from the delegates suggested that a more detailed workbook would be helpful
Consider moving to a three day workshop
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19. Credit Risk Skills Workshop Training Evaluation Report
Appendix
Evan Williams Consultancy Limited

20. Credit Risk Skills Workshop
Feedback questions and corresponding scores
Delegate K
Delegate SA
Delegate T
Delegate J
Delegate SW
Average Score
Q1. I felt the pre-course work was useful and helpful to my learning? 8 9 6
8.2
Q2.I was actively engaged and encouraged to participate and share my opinion? 10
9.4
Q3. I found the content of the course extremely useful?
9.2
Q4. I found the training logical and easy to follow?
8.6
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21. Credit Risk Skills Workshop
Feedback questions and corresponding scores
Delegate K
Delegate SA
Delegate T
Delegate J
Delegate SW
Average Score
Q5. I was given ample opportunity to demonstrate my knowledge and [newly learnt] skills? 9 10 8
9.2
Q6. How would you rate how much you have learnt? -
8.8
Q7. I will be able to apply what I have learnt to my job?
Q8. I would recommend this workshop to one or more of my colleagues?
9.8
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22. Credit Risk Skills Workshop
Feedback questions and corresponding scores
Delegate K
Delegate SA
Delegate T
Delegate J
Delegate SW
Average Score
Course Score – average across all eight questions
9.0
8.6
9.8
8.1
8.4
8.8
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