Credit Risk and Credit Analysis
A practical and industry-focused course designed to equip learners with the skills to evaluate borrowers, measure credit risk, structure credit facilities, and manage loan portfolios effectively. The course blends financial analysis, risk assessment tools, regulatory frameworks, and modern credit decision techniques used in banks and financial institutions.
Learners gain a strong foundation in credit principles, risk modelling, financial statement analysis, credit scoring, loan structuring, and risk mitigation strategies. The course includes real-life case studies and tools aligned with global banking standards.
Module 1: Foundations of Credit Risk Management
Introduces core concepts of credit risk, credit cycles, default behaviour, types of credit exposure, and the role of credit risk management in financial stability.
Module 2: Borrower Assessment & Creditworthiness Evaluation
Covers qualitative and quantitative borrower assessment techniques, including the 5Cs of credit, character analysis, business model evaluation, and industry risk factors.
Module 3: Financial Statement Analysis for Credit Decisions
Explores ratio analysis, cash-flow analysis, liquidity assessment, leverage evaluation, profitability trends, and how financial performance informs credit decisions.
Module 4: Credit Scoring, Rating Systems & Risk Models
Examines credit scoring models, internal rating frameworks, probability of default (PD), loss given default (LGD), exposure at default (EAD), and portfolio-level credit modelling.
Module 5: Loan Structuring, Collateral Management & Covenant Design
Focuses on designing credit facilities, choosing repayment structures, evaluating collateral, setting covenants, and applying risk mitigation tools.
Module 6: Credit Portfolio Management & Monitoring Techniques
Covers early-warning indicators, portfolio concentration, stress testing, credit reviews, impairment assessment, and loan monitoring systems.
Module 7: Regulatory Frameworks & Compliance in Credit Risk
Explores Basel II/III standards, IFRS 9 impairment rules, central bank guidelines, and global regulatory expectations for credit risk governance.
Module 8: Problem Loans, Recovery Strategies & Case Studies
Analyses non-performing loans, restructuring, recovery strategies, workout processes, and real-world examples of credit successes and failures.
Principles of credit risk and borrower assessment
Techniques for analysing financial statements and cash flows
Using credit scoring and rating models in decision-making
Structuring loans and evaluating collateral
Monitoring credit portfolios and identifying early-warning signs
Applying global regulatory frameworks (Basel, IFRS 9)
Managing problem loans and applying recovery strategies
Conducting effective credit analysis for individuals and businesses
Credit analysts and risk officers
Loan officers and banking professionals
Financial analysts and investment professionals
SME lenders and microfinance practitioners
Students pursuing finance, banking, or economics
Professionals transitioning into credit and risk management roles
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