Credit Analysis Fundamentals

What You Will Learn

• 1 Learn the foundational principles of credit and how lenders evaluate risk across different borrower types.
• 2 Understand the structure of financial statements and how to extract meaningful credit signals from them.
• 3 Apply ratio analysis techniques to assess a borrower's liquidity, leverage, profitability, and efficiency.
• 4 Analyze cash flow statements to determine a borrower's true repayment capacity beyond reported earnings.
• 5 Explore qualitative factors in credit analysis, including industry dynamics, management quality, and competitive positioning.
• 6 Understand credit scoring models, internal rating systems, and how institutions classify borrower risk.
• 7 Learn how to structure credit facilities, including loan types, covenants, collateral requirements, and pricing.
• 8 Develop skills in identifying early warning signs of credit deterioration and managing distressed borrowers.
• 9 Analyze credit risk in specialized contexts including real estate, project finance, and leveraged lending.
• 10 Build a complete credit memorandum by integrating quantitative and qualitative analysis into a professional recommendation.