The individual assignment is based on the case, Springfield National Bank. The case company is a diversified mid-sized Financial Institution contemplating to grant credit to another Company, Dawson Stores, Inc. in need of a US $ 1 million on an unsecured basis credit line.

Springfield National Bank must determine if Dawson Stores Inc. will be a good credit risk for the bank by taking into consideration the companys financial condition, character references and loan security. For the bank to approve the credit line that Dawson Stores, Inc. is requesting, the bank must pay specific attention to the companys strategy for maximising its assets and improving profitability through the years. The long-standing and untainted relationship of the Dawson Stores Inc. and the bank is another factor that needs investigation. This case helps students in understanding how to use financial statement in credit risk analysis.

Assignment Title Page

Assignment Report title contains your name, students number, submission date (Any other information for identification)

Maximum score

2.5

Assignment Table of Content

Project contents properly articulated and listed using MS word including all the main headings and sub-headings, ensuring flow of materials and readability; Clear pagination of sections in the report

Maximum score

2.5

The companys business model

A paragraph describing the companys business model - Analyze the company's history, developments - products and markets, business strategy(s) and growth over the period. - Identify the company's internal strengths and weaknesses and how these have developed over-time (i.e., use SWOT for situational analysis based on Porters five-forces)

Maximum score

10

Outline of the company's industry

A paragraph outlining the industry in which this company operates, including future prospects (Industry Outlook). - Analyze its external environment and how it has aligned itself to this environment (Use Porters Industrys Competitive Analysis Framework to do this)

Maximum score

10

Analysis and comparison of Credit Worthiness of Dawson Stores, Inc.

Provide a comparison of Credit worthiness indicators for Dawson Stores, Inc. and compare it with the industry as well as market based on the case information; include explanation of your choices (i.e., why?)

Maximum score

25

interpretation and future prospects of the Credit Worthiness at Dawson Stores, Inc.

Your interpretation and future prospects of the Credit Worthiness at Dawson Stores, Inc. in light of the general industry/ economic environment and the information (i.e., industry analysis) provided in the case.

Maximum score

25

Brief forecast of the companys future prospects.

Provide a brief forecast of the companys future prospects. - Using tools like charts, Delphi method, game theory, regression analysis etc. where reasonably possible. NOTE: This will probably feel uncomfortable, but be assured that you cannot be wrong on this part! Nobody knows the future until it happens. This is merely a preview of the forecasting that is necessary for budget/operational planning.

Maximum score

20

Resources Consulted and Used

- Appropriate bibliographic and reference listing of ALL your research sources. Use APA citation style. - Appendices should include a copy of the source Statement of Income, Statement of Financial Position, and Cash Flow Statement (only).

Maximum score

5