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ESG for Commercial Lenders

سرفصل های دوره

This course examines how ESG (environmental, social, and governance) factors influence risk assessments and credit decisions for private, small, and middle-market commercial lenders. ESG factors can affect a company’s ability to service debt obligations but are often either overlooked or misinterpreted. Further, many financial institutions face a disconnect between actions at the individual borrower level and the lender’s own ESG profile, including how to manage messaging to stakeholders. This course is aimed to help credit professionals understand the impact that sustainability practices—or a lack thereof—can have on a company’s risk profile and disclosure practices.

Learn how climate risks may affect business operations as well as its physical collateral, and how changes to a borrower’s reputation can impact its supply chain and financial results. The course also includes an interactive case study that lets you analyze a borrowing client and conduct downside sensitivity analysis in Excel using an ESG lens.

This course was created by CFI. We are pleased to host this content in our library.


01 - Introduction
  • 01 - Introduction to ESG for commercial lenders

  • 02 - 1. The Big Picture of ESG
  • 01 - Defining ESG
  • 02 - Reframing the problem
  • 03 - Commercial lenders and ESG
  • 04 - Operational boundaries and the scopes of emissions
  • 05 - The partnership for carbon accounting financials (PCAF)
  • 06 - The attribution factor
  • 07 - Issues in calculating emissions
  • 08 - Reverse-engineered estimated emissions

  • 03 - 2. ESG and Systems Thinking
  • 01 - ESG and the cost of funding
  • 02 - Systems thinking
  • 03 - ESG integration
  • 04 - Corporate reputation
  • 05 - Physical climate risks

  • 04 - 3. Case Study
  • 01 - Inputs introduction
  • 02 - Model and supporting schedules introduction
  • 03 - Credit metrics and lending ratios introduction
  • 04 - Calculating credit metrics
  • 05 - Supporting schedules and financial statements
  • 06 - Income statement assumptions
  • 07 - Balance sheet assumptions
  • 08 - Working capital assumptions
  • 09 - Lending assumptions
  • 10 - Live case scenario toggle
  • 11 - Conditional formatting
  • 12 - Scenario analysis Credit metrics
  • 13 - Scenario analysis Financial statements
  • 14 - Scenario analysis Assumptions feedback
  • 15 - Case study summary

  • 05 - 4. ESG Trends in Commercial Lending
  • 01 - Potential trends in ESG integration and analysis
  • 02 - Future ESG trends Risk rating and due diligence
  • 03 - Future ESG trends Client reporting
  • 04 - Future ESG trends Pricing and profitability models
  • 05 - Loss given default
  • 06 - Capital reserve requirements
  • 07 - Profitability exercise Probability of default
  • 08 - Profitability exercise Loss given default
  • 09 - Profitability exercise Capital requirements
  • 10 - Profitability exercise Mitigation strategies

  • 06 - Conclusion
  • 01 - Course summary
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    شناسه: 43885
    حجم: 222 مگابایت
    مدت زمان: 100 دقیقه
    تاریخ انتشار: ۸ اسفند ۱۴۰۳
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