Basic understanding of financial statements and ratios is recommended. No prior experience in credit or lending is necessary.
Course Guide
Credit Risk Analysis Course
Participants take on the role of credit analysts, evaluating borrowers, interpreting financial ratios, and making real-time lending decisions in our Credit Risk Analysis Training.
Credit Risk Analysis Course Overview
The Credit Risk Analysis Course immerses participants in the world of commercial lending and credit evaluation. Designed by credit officers and banking instructors, this course replicates the high-stakes environment where institutions decide whether to extend credit - and on what terms.
Participants must assess the creditworthiness of corporate clients based on historical financials, qualitative red flags, and industry trends. As new information unfolds, they must adjust their assessments, price the risk appropriately, and defend their decisions to internal stakeholders.
This course helps participants understand the subtle balance between risk appetite and relationship management that credit professionals must master.
Credit Risk Analysis Course Concepts
Participants are introduced to foundational and advanced credit risk topics, including:
- Financial Ratio Analysis: Liquidity, solvency, profitability, and coverage ratios
- The 5 Cs of Credit: Character, Capacity, Capital, Conditions, and Collateral
- Credit Scoring and Internal Ratings: Quantifying risk using scorecards and rating models
- Covenant Structuring: Designing financial and operational covenants
- Risk-Based Pricing: Aligning interest rates and loan structures with risk
- Credit Approval Process: Navigating committees and risk reviews
- Portfolio Risk Exposure: Balancing individual credit decisions with broader institutional exposure
Gameflow
What Participants Do
In this single or multiplayer course, participants act as credit analysts at a commercial bank. Their responsibilities include:
- Reviewing client financials, credit histories, and business models
- Conducting ratio analysis to assess risk
- Asking probing questions to clarify ambiguities in the borrower’s narrative
- Deciding whether to approve, reject, or conditionally structure a loan
- Setting repayment terms, covenants, and collateral requirements
- Justifying decisions to senior credit officers or investment committees
- Monitoring post-lending performance and identifying early warning signals
What Participants Learn
This course trains participants to think like credit professionals under time pressure and imperfect information. Participants learn how to:
- Apply credit analysis frameworks to real business cases
- Identify red flags in borrower data and qualitative disclosures
- Align lending decisions with institutional policy and risk appetite
- Structure loans to mitigate identified risks
- Communicate credit rationales clearly and confidently
- Evaluate evolving borrower performance and trigger responses when needed
Why This Credit Risk Analysis Course Works
Credit risk is often taught in theoretical terms - but this course delivers the real-world intensity of live credit decisions. It’s designed to give participants direct experience with the pressure, ambiguity, and accountability that define lending roles.
The course balances individual decision-making with collaborative learning, particularly in multiplayer formats where teams present to simulated credit committees. Scoring reflects both the financial outcomes of decisions and the defensibility of the analysis.
In courses on banking, corporate finance, or risk management, this course builds durable credit skills participants can immediately apply in internships and analyst roles.