Geoff Burton

credit risk assessment credit assessment financial analysis credit risk analysis credit analysis management risk business assessment working capital working capital management business risks micro-environment risk business risk current assets gross profit cost of goods sold net worth net asset value depreciation calculation depreciated asset value asset value depreciated value useful life wear and tear allowance macro-environment risk market environment risk operating profit growth phase profitability assets accounts payable trade creditors inventory stock gross profit margin technological risk social risk political risk legal risk economic risk ecological risk business risk analysis financial statements turnover operating expenses net profit income statement collateral letters of credit fixed assets depreciation competitive analysis business analysis market analysis market environment management ebit ebitda bank interest interest rate interest paid debt service interest interest cover profit margin financial impact ratio analysis financial ratios business growth sales growth revenue growth turnover growth debt owners' equity leverage gearing total liabilities interest-bearing debt shareholders' equity risk preference shares total debt shareholders' loans leverage ratio start-up businesses mature businesses decline phase declining businesses maturity phase growing businesses start-up phase current laibilities quick ratio current ratio trade debtors liquidity accounts receivable peer comparison profit investing cash flow cash flow operating cash flow financing cash flow balance sheet non-current liabilities equity current liabilities accounting equation non-current assets early settlement discount early payment discount trade creditors management accounts payable management bank overdraft accounts receivable management trade debtors management