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This two-day advanced programme gives participants a practical framework for assessing business risk, financial health and creditworthiness with greater confidence. Through a structured blend of qualitative risk assessment and financial analysis, attendees will learn how to look beyond the numbers to evaluate strategic direction, business models, competitive positioning, market pressures and organisational resilience.
The workshop explores how credit rating agencies assess risk, how to interpret the Profit and Loss account, Balance Sheet and Cash Flow statement, and how to apply core financial ratios across growth, profitability, efficiency, gearing, liquidity and investment attractiveness. It also examines cash flow, debt capacity, cash conversion, cash burn and the limitations of commonly used metrics such as EBITDA.
Designed for professionals involved in lending, underwriting, portfolio management, credit, finance and business development, the session will help participants identify early warning signs, financial red flags, indicators of business distress and potential creative accounting. By the end of the programme, delegates will be better equipped to make informed judgements about business performance, resilience and risk.
Managing Director, Jean Pousson and Associates Limited
Originally from Mauritius, Jean Pousson brings over 35years of management consultancy, training, facilitation, and coaching experience to the table, h...
Originally from Mauritius, Jean Pousson brings over 35years of management consultancy, training, facilitation, and coaching experience to the table, having worked in well over 35 countries. His formative years were in banking with Barclays Bank (15 years in Retail and Corporate Banking) where he spent many years assessing risks of small to medium sized businesses and Corporates. He was also with the UK TSB Banking Group for a few years where his last appointment was Group Director of Studies responsible for providing academic leadership to the Group. He has Board experience (Executive and non-executive) and has been involved in well over 100 Board Effectiveness Reviews as an evaluator and/or providing oversight to the assignment with his other business Board Evaluation Limited. The organisations have ranged from mid-sized businesses to larger entities.
Professional credentials and training experience
Jean holds a business degree from the University of Witwatersrand (South Africa), a business Diploma from the University of Warwick Business School and is a Certified Associate of The South African Institute of Bankers. He also holds the Institute of Directors Certificate and Diploma in Company Direction. He was twice voted “Lecturer of the Year” for UK Finance the professional body of the asset finance industry in the UK. In a typical year Jean will interface with approximately 500 company directors and about 8 to 10 Boards. He has written many articles, contributed chapters to a few books and in 2025 published his book ”A Business Raconteur Reveals all” available on Amazon. He also has a few YouTube clips.
His banking career of assessing risks in businesses across a wide spectrum of different industries has made him well qualified to conduct many strategic reviews. He has also undertaken numerous strategy facilitation assignments with Boards and executive teams. He brings a practical feel to his lectures born out of continuing experience and has been known to make his courses fun and lively.
Past clients have included Daimler Financial Services, Lloyds Banking Group, PayPal, Mercedes Financial Services Group, The Banks Group, and many clients under the auspices of Euromoney Learning and The Institute of Directors. He is also a regular contributor Vistage the San Diego based world’s largest network of Chief Executives.
Underwriters
Portfolio Manager
Business Administrative Assistant
Director of Credit
Loans Officer
Client Manager
Financial Controller
Business Development Manager
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