Credit Risk Analysis and Underwriting

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Credit Risk Analysis and Underwriting

Instructors: Simon Green

2,067 already enrolled

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1 module

Gain insight into a topic and learn the fundamentals.

Intermediate level

Recommended experience

6 hours to complete

Flexible schedule

Learn at your own pace

1 module

Gain insight into a topic and learn the fundamentals.

Intermediate level

Recommended experience

6 hours to complete

Flexible schedule

Learn at your own pace

What you'll learn

Construct a structured framework for conducting comprehensive corporate credit analysis.
Evaluate a corporate’s business and financial risks to identify potential vulnerabilities.
Assess the quality and effectiveness of a corporate’s management using objective criteria.
Formulate a credit rating by determining a corporate’s probability of default and synthesising conclusions about its overall creditworthiness.

Skills you'll gain

Details to know

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Assessments

4 assignments

Taught in English

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There is 1 module in this course

Imagine having the skills to confidently navigate the intricate world of credit risk—a cornerstone of professional excellence. The essence of credit lies in trust: trusting a counterparty to honour their obligations. This course unpacks the critical elements of credit, offering a structured approach to mastering credit risk analysis. Whether you are a banker, risk underwriter, or a professional extending trade credit, this course equips you with the expertise to make informed decisions and manage risk with precision.

This course is designed for professionals at various stages of their careers within financial institutions who are involved in assessing or managing corporate credit risk. It is particularly suitable for graduate entrants undergoing core competency training, corporate credit and risk analysts, credit controllers, and credit underwriters. Relationship managers seeking a stronger grasp of the financial and strategic positioning of clients, as well as investment analysts evaluating creditworthiness as part of their decision-making processes, will also benefit significantly from this program. Participants are expected to have a foundational understanding of financial statements and accounting principles. This includes familiarity with the typical structure and content of audited financial accounts, as well as the mechanics of recording financial transactions. A basic grasp of how financial data is organized and interpreted is essential to fully engage with the analytical techniques presented in this course. By the end of this course, learners will be equipped to conduct thorough and structured corporate credit analyses. They will develop the ability to critically evaluate both business and financial risks, uncovering potential weaknesses that may impact a company’s creditworthiness. Additionally, they will learn to assess management quality through objective analysis and ultimately formulate credit ratings by estimating default probabilities and synthesizing all insights into a coherent view of a corporation’s overall financial health.

In this course, you’ll explore how to master credit risk analysis by developing a structured approach to evaluating the creditworthiness of corporate clients. Through real-world case studies and interactive activities, you’ll gain practical experience in assessing financial and non-financial risks, estimating default probabilities, and formulating credit ratings. You’ll also examine how credit risk impacts both banks and businesses, learn to communicate risk insights effectively, and build the confidence to make informed, high-stakes credit decisions.

What's included

17 videos3 readings4 assignments5 peer reviews2 discussion prompts

17 videos Total 129 minutes

Welcome and Course Goals 7 minutes
Risk Analysis Framework 4 minutes
Risk Identification 5 minutes
Business Risk Analysis 1 11 minutes
Business Risk Analysis 2 10 minutes
Analysing Sales 7 minutes
Analysing Costs & OCI 6 minutes
Analysing the Asset Side of the Balance Sheet 7 minutes
Analysing the Liability and Capital Parts of the Balance Sheet 9 minutes
The Use of Ratios and Key Sales & Profitability Ratios 4 minutes
Key Sales & Profitability Ratios 6 minutes
Balance Sheet Liquidity, Efficiency and Solvency Ratios 9 minutes
The Cash Flow Statement 10 minutes
The Critical Importance of Management & the Management Evaluation Tool 12 minutes
Structural Mitigation 6 minutes
Liquidity Assessment 6 minutes
Course Wrap Up 10 minutes

3 readings Total 15 minutes

Welcome to the Course: Course Overview 5 minutes
Corporate Credit Ratings: A Quick Guide 5 minutes
Financial Ratio Analysis: Definition, Types, Examples, and How to Use 5 minutes

4 assignments Total 90 minutes

Credit Risk Analysis Fundamentals 20 minutes
Financial Risk Analysis Part 1 – Profit & Loss Account and Balance Sheet 20 minutes
Financial Risk Analysis Part 3 - Ratio Analysis, Cash Flow & Liquidity 30 minutes
Management Assessment, Liquidity and Credit Mitigation 20 minutes

5 peer reviews Total 100 minutes

Hands-On-Learning: Identifying Business Risks: Stage 1 of the W&D Credit Analysis Case Study 10 minutes
Hands-On-Learning: Financial Risk Analysis Identifying Financial Issues at W&D 10 minutes
Hands-On-Learning: W&D Case Study: Financial Ratio Analysis with Spreadsheets 10 minutes
Hands-On-Learning: Cash Flow & Liquidity Assessment at W&D 10 minutes
Project: W&D Business Case Review 60 minutes

2 discussion prompts Total 10 minutes

Synthesizing Risk Framework Application in Credit Evaluation 5 minutes
Detecting Financial Stress in a High-Growth Business 5 minutes

Instructors

Simon Green

2 Courses 2,630 learners

Offered by

Starweaver

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