Credit Analysis and Small Business Finance

What You Will Learn

• 1 Learn the foundational principles of credit analysis and the lending decision framework.
• 2 Understand how to interpret small business financial statements from a lender's perspective.
• 3 Apply cash flow analysis and projection techniques to assess repayment capacity.
• 4 Evaluate credit risk using quantitative models and scoring tools.
• 5 Analyze collateral valuations and guarantee structures to mitigate loss.
• 6 Structure and price commercial loans with risk-adjusted terms.
• 7 Navigate the regulatory requirements for small business lending compliance.
• 8 Perform ratio analysis and benchmark financial performance against industry peers.
• 9 Build credit scoring and decision frameworks for consistent underwriting.
• 10 Develop portfolio risk management strategies to monitor concentration and default.
• 11 Design financing strategies that support small business growth and liquidity.
• 12 Implement credit monitoring and workout procedures for distressed loans.