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Credit Analysis & Risk Assessment

Credit Analysis & Risk Assessment

1 Weeks
Professional Level
Certificate Included
Course Content

Available Events

Available Events
CityDatePriceStatus
SingaporeSingapore
September 16, 2026
€5,100
Confirmed date
DubaiUnited Arab Emirates
September 17, 2026
€4,400
Confirmed date
ParisFrance
October 31, 2026
€4,900
Confirmed date
TunisTunis
November 1, 2026
€4,400
Confirmed date
GenevaSwitzerland
November 9, 2026
€4,900
Confirmed date

Course Information

Duration

1 Weeks

Category

Treasury & Finance

Level

Professional Level

Certificate

Included

INTRODUCTION

Credit analysis is a critical discipline that protects financial institutions, investors, and corporations from poorly assessed lending and investment decisions. In today’s financial environment, credit professionals must evaluate not only historical financial performance but also future repayment capacity, market volatility, borrower behavior, and sector-specific risks. This course introduces participants to a complete methodology for analyzing credit risk from the first review of financial information to the final credit recommendation. It explains how financial statements, cash flow analysis, leverage indicators, liquidity measures, profitability trends, and debt servicing ability are used to form a reliable credit opinion. The program also highlights the importance of non-financial factors such as business model strength, management credibility, governance quality, competitive position, and legal structure. Participants will explore how credit risk assessment supports loan approval, pricing decisions, covenant design, collateral evaluation, and ongoing monitoring. The course uses practical examples to help participants transform raw financial data into meaningful risk insights. It is suitable for professionals who need to communicate credit conclusions clearly and defend their analysis before decision-makers. The overall goal is to build strong analytical discipline and promote better credit decisions across financial and corporate environments.

COURSE OBJECTIVES

Participants will achieve the following objectives by this course:

  • Understand the principles of credit analysis and structured risk assessment.
  • Evaluate borrower creditworthiness using financial and non-financial indicators.
  • Analyze balance sheets, income statements, and cash flow statements effectively.
  • Assess liquidity, leverage, profitability, efficiency, and debt repayment capacity.
  • Identify early warning signals of credit deterioration and financial distress.
  • Apply qualitative assessment to management, industry, strategy, and governance risks.
  • Develop practical credit risk ratings and borrower risk classifications.
  • Structure credit recommendations supported by evidence and professional judgment.
  • Evaluate collateral, covenants, guarantees, and risk mitigation tools.
  • Improve credit monitoring, portfolio review, and lending decision quality.

TARGET AUDIENCE

This program targets a professional audience seeking to improve knowledge and skills:

  • Credit analysts, relationship managers, loan officers, and corporate banking professionals.
  • Risk managers, portfolio managers, investment analysts, and financial controllers.
  • Finance managers, treasury professionals, auditors, and compliance officers.
  • Professionals involved in credit approval, lending review, financial due diligence, or borrower assessment.
  • Banking, investment, microfinance, leasing, insurance, and corporate finance teams.
  • Executives and managers responsible for financial risk governance and credit portfolio quality.
  • Professionals seeking stronger practical skills in credit analysis, risk assessment, and lending decisions.

COURSE OUTLINE

Day 1: Foundations of Credit Analysis and Lending Risk

  • Credit analysis purpose and institutional risk context.
  • Key principles of responsible lending decisions.
  • Borrower types and credit exposure categories.
  • Sources of credit information and documentation.
  • Five Cs of credit assessment framework.
  • Financial versus non-financial credit factors.
  • Credit policy, approval authority, and governance.
  • Common credit analysis errors and biases.
  • Linking credit analysis to portfolio quality.

Day 2: Financial Statement Analysis for Credit Decisions

  • Balance sheet structure and asset quality review.
  • Income statement trends and earnings sustainability.
  • Cash flow statement interpretation for lenders.
  • Liquidity ratios and short-term repayment capacity.
  • Leverage ratios and capital structure analysis.
  • Profitability ratios and operating performance review.
  • Efficiency ratios and working capital behavior.
  • Ratio limitations and industry benchmarking.
  • Normalizing financial statements for better analysis.

Day 3: Cash Flow, Debt Capacity, and Risk Rating

  • Operating cash flow quality and stability.
  • Free cash flow and debt service coverage.
  • Earnings quality and non-cash adjustments.
  • Debt capacity and repayment source evaluation.
  • Sensitivity analysis under adverse scenarios.
  • Credit scoring and internal risk rating models.
  • Probability of default and loss severity concepts.
  • Borrower classification and rating justification.
  • Practical credit rating case application.

Day 4: Qualitative Risk, Industry Analysis, and Mitigation

  • Management capability and governance assessment.
  • Business model strength and competitive position.
  • Industry risk, cyclicality, and market outlook.
  • Regulatory, legal, and geopolitical credit risks.
  • Collateral evaluation and security documentation.
  • Covenants, guarantees, and risk control mechanisms.
  • Early warning indicators and red flags.
  • Fraud risk and borrower behavior signals.
  • Credit risk mitigation strategy design.

Day 5: Credit Recommendation, Monitoring, and Portfolio Control

  • Credit memorandum structure and analytical logic.
  • Writing clear credit recommendations for committees.
  • Loan pricing and risk-adjusted return considerations.
  • Approval conditions and covenant design.
  • Post-approval monitoring and review frequency.
  • Portfolio concentration and exposure management.
  • Problem loan identification and remedial actions.
  • Case study on complete credit assessment.
  • Action planning for workplace implementation.

COURSE DURATION

Duration: 1 Weeks

The course is delivered over five intensive training days, with each day combining expert instruction, financial analysis exercises, credit case discussions, practical templates, risk rating applications, and group-based decision-making activities designed to strengthen real-world credit analysis and risk assessment capabilities for banking, investment, and corporate finance professionals.

INSTRUCTOR INFORMATION

The training will be delivered by a team of experts specialized in credit analysis, corporate finance, banking risk management, financial statement analysis, lending governance, and portfolio monitoring, with practical experience in supporting credit decisions, designing risk assessment frameworks, evaluating borrower performance, and advising institutions on sound credit practices aligned with international financial standards.

FREQUENTLY ASKED QUESTIONS

This course is designed for banking, finance, credit, risk, investment, and corporate professionals involved in lending or borrower assessment.

CONCLUSION

This Credit Analysis & Risk Assessment course provides professionals with a complete framework for evaluating borrower strength and lending risk. Participants will gain practical skills that improve credit judgment, financial interpretation, and risk-based decision-making. The program connects technical analysis with business understanding, governance discipline, and portfolio protection. It supports stronger credit recommendations, better monitoring, and more consistent lending practices. By completing the course, participants will be better prepared to protect institutional value and support sustainable financial growth.

Credit Analysis & Risk Assessment

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