Qualifi Level 7 Diploma in Asset-based Lending
The financial services industry is evolving rapidly, and professionals in asset-based lending (ABL) are in high demand. The Qualifi Level 7 Diploma in Asset-Based Lending offers an exceptional opportunity for those seeking to advance their expertise and leadership within this specialized sector. This diploma is designed for finance professionals who want to deepen their knowledge and enhance their strategic decision-making skills in the realm of asset-backed loans, credit, and risk management.
Asset-based lending (ABL) refers to a method of financing that is secured by assets such as inventory, equipment, accounts receivable, or other property owned by a business. This form of lending is popular among businesses looking to manage cash flow, fund growth, or restructure debt. The key advantage of ABL is that it allows companies to leverage their assets to obtain financing that might otherwise be unavailable through traditional lending channels.
The Qualifi Level 7 Diploma in Asset-Based Lending is a comprehensive qualification that addresses the complexities of ABL, offering learners both theoretical understanding and practical insights. It is ideal for professionals who already possess a strong foundation in finance but are looking to specialize in asset-based lending or move into higher-level leadership roles. This diploma is widely recognized across financial institutions and is designed to prepare individuals for senior management and executive positions in asset-based finance.
The Qualifi Level 7 Diploma is suited for a wide range of professionals in the financial services sector. This includes asset-based lenders, commercial finance specialists, credit analysts, and investment professionals. Additionally, those working in corporate banking or seeking to transition into asset-backed lending will find this diploma to be an essential stepping stone. The program is also beneficial for individuals who aspire to start their asset-based lending businesses or consultancy firms.
- Typical Requirement:
- A degree is usually required for entry.
- Alternative Pathways:
- Relevant work experience, personal qualities, and interview performance may substitute for formal academic qualifications.
- Experienced Managers:
- Those with significant experience but no formal qualifications may be considered, provided they can demonstrate their capability through an interview.
Mandatory Units
The Qualifi Level 7 Diploma in Asset-based Lending qualification consists of 8 mandatory units for Credit Equivalency 120 for the completed qualification.
Mandatory Units
Learning outcomes for Qualifi Level 7 Diploma in Asset-Based Lending
Foundation of Asset-based Lending (ABL)
- Understand how asset-based lending has evolved and its strategic role in managing risk in a commercial lending environment.
- Assess the risk parameters involved in asset-based lending and how to structure an asset-based loan.
- Understand the cash conversion cycle (CCC) and its role in ABL.
- Evaluate the business and associated risks in collateral lending.
Asset-based Lending for Underwriters
- Analyse historic financial information and extrapolate the analysis to evaluate profitability and cash flow projections.
- Manage the risks inherent in asset-based lending.
- Configure and evaluate an exit strategy when underwriting the asset-based lending facility.
Inventory Lending
- Understand the complexity of inventory as pledged collateral in the asset-based lending sector.
- Analyse the application of tools and techniques determining the advance rates appropriate to individual proposals.
- Monitor the performance of the inventory risk throughout the life cycle of the loan
- Assess the market value and determine the most appropriate exit strategy.
Field Examinations (audit) –- Account Receivables
- Verify data supplied to lenders.
- Review various data sources, perform analysis and determine material issues.
- Draw conclusions and make recommendations to safeguard the value of collateral.
- Appraise the results of the field examination.
Field Examinations (audit) Inventory
- Verify data supplied to lenders.
- Review various data sources, perform analysis and determine material issues.
- Draw conclusions and make recommendations to safeguard the value of collateral.
- Review the results of the field examination.
Financial Statement Analysis
- Understand the purpose and uses of financial analysis in an asset-based lending (ABL) environment.
- Determine the ability of a business to generate sufficient funds to repay borrowings and to assess the future viability of the business through the application of tools and techniques.
Account Management
- Assess financial performance issues.
- Evaluate collateral issues.
- Assess forecasting – bank funding availability.
- Evaluate reports from supporting functions.
Operations/collateral analysis
- Understand the area /concept of operational control and be able to analysis data, information and trends.
- Appraise the operation of client accounts in accordance with collateral agreement.
- Appraise account operational issues in accordance with collateral agreement.
The Qualifi Level 7 Diploma in Asset-based Lending is designed for:
- Finance Professionals: Individuals working in finance who want to specialize in asset-based lending or advance their careers in this field.
- Banking Executives: Those involved in business banking and asset-based finance who seek to deepen their understanding and skills.
- Experienced Managers: Managers with significant experience in finance or related fields who want to formalize their expertise and improve their strategic decision-making capabilities.
- Risk Management Specialists: Professionals focused on risk management within the financial sector who need to enhance their knowledge of asset-based lending and its associated risks.
- Financial Consultants: Consultants who advise on asset-based lending and wish to gain advanced qualifications to support their advisory roles.
- Career Changers: Individuals aiming to transition into asset-based lending from other financial sectors or industries, provided they have relevant work experience or a strong interest in the field.
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