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RF - Module 2: Credit and Risk Assessment
Unit 4: Credit Assessment and Servicing
1. Overview
2. The Nature of Credit Risk in Receivables Finance
3. How Lenders Assess Creditworthiness
4. Lender Risk Controls
5. Facility Monitoring and Covenant Control
6. Wrap Up!
Quiz
1. Overview
2. The Nature of Credit Risk in Receivables Finance
3. How Lenders Assess Creditworthiness
4. Lender Risk Controls
5. Facility Monitoring and Covenant Control
6. Wrap Up!
Quiz
Unit 5: Pricing Structures and Fee Dynamics
1. Overview
2. Pricing Foundations
3. Facility Type and Pricing Dynamics
4. Base Rate Mechanics: BBSY/Prevailing Rate
4.1. Discount Rate
4.2 Lender’s Margin
5. Service (Admin) Fee
6. Evaluating Cost Against Cash Flow Benefit
7. Lender Comparison: Banks vs Independent Funders
8. Reframing Client Conversations
1. Overview
2. Pricing Foundations
3. Facility Type and Pricing Dynamics
9. Ancillary Fees
4. Base Rate Mechanics: BBSY/Prevailing Rate
4.1. Discount Rate
10. Wrap Up!
4.2 Lender’s Margin
5. Service (Admin) Fee
6. Evaluating Cost Against Cash Flow Benefit
Quiz
7. Lender Comparison: Banks vs Independent Funders
8. Reframing Client Conversations
9. Ancillary Fees
10. Wrap Up!
Quiz
Unit 6: Risks and Challenges
1. Overview
1. Overview
2. Risk Exposures in Receivables Finance
2.1. Disclosed vs. Undisclosed Structure
2.2. Operational Risk: Most Common Failure Point
2.3. Fraud Risk: Invoice Manipulation
2.4. Legal Risk: Documentation and Compliance Failures
2.5. Industry and Economic Sensitivity
2. Risk Exposures in Receivables Finance
3. Mitigation Through Structure and Monitoring
3.1. Key Structural Controls
3.2. Technology and Human Oversight
4. Operational and Client Servicing Challenges
5. Common Friction Points
5.1. Legal and Documentation Concerns
5.2. Pricing Misunderstandings
2.1. Disclosed vs. Undisclosed Structure
6. Strategies for Managing Friction
6.1. Thorough Pre-Approval Education
6.2. Structured Onboarding
6.3. Realistic Expectations Setting
6.4. Continuous Communication
7. Wrap Up!
2.2. Operational Risk: Most Common Failure Point
Quiz
2.3. Fraud Risk: Invoice Manipulation
2.4. Legal Risk: Documentation and Compliance Failures
2.5. Industry and Economic Sensitivity
3. Mitigation Through Structure and Monitoring
3.1. Key Structural Controls
3.2. Technology and Human Oversight
4. Operational and Client Servicing Challenges
5. Common Friction Points
5.1. Legal and Documentation Concerns
5.2. Pricing Misunderstandings
6. Strategies for Managing Friction
6.1. Thorough Pre-Approval Education
6.2. Structured Onboarding
6.3. Realistic Expectations Setting
6.4. Continuous Communication
7. Wrap Up!
Quiz
Unit 7: Industry Exclusions and High-Risk Sectors
1. Overview
2. The Foundation of Exclusions
2.1. Australian Legal Context
3. Operational Challenges: Why Not All Ledgers Work
4. Reputational and Regulatory Considerations
5. Commonly Excluded or Restricted Industries
6. Broker's Role in Managing Client Expectations
6.1. Practical Broker Strategies
7. Australian Industry-Specific Considerations
8. Navigating Exceptions and Specialist Opportunities
8.1. Alternative Solutions for Excluded Industries
9. Wrap Up!
Quiz
1. Overview
2. The Foundation of Exclusions
2.1. Australian Legal Context
3. Operational Challenges: Why Not All Ledgers Work
4. Reputational and Regulatory Considerations
5. Commonly Excluded or Restricted Industries
6. Broker's Role in Managing Client Expectations
6.1. Practical Broker Strategies
7. Australian Industry-Specific Considerations
8. Navigating Exceptions and Specialist Opportunities
8.1. Alternative Solutions for Excluded Industries
9. Wrap Up!
Quiz
7. Lender Comparison: Banks vs Independent Funders
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