Intro to Commercial Credit Analysis, Credit Risk and Lending

Commercial Credit Underwriting | Lending & Commercial Credit | Financial Analysis | Credit Risk | Foundations

Created by: Starweaver Instructor Team
Learning | Doing | Connecting®

Created by: Paul Siegel
Top rated instructor and course creator

What Will I Learn?

• Understand the process of credit analysis including risk identification, analysis and mitigation
• Build and apply finance skills to analyze business, financial and structural risks
• Identify the appropriate information requirements for analysis and underwriting
• implement a structure for business risk analysis from macro, industry, and company-specific levels of detail
• Apply industry and company specific risk analysis tools (including the BCG Matrix and Porter’s 5 Competitive Forces)
• Analyze the key functional areas of a business, including through a SWOT analysis
• Dig into a company’s key financial statements (including income statement and balance sheet)
• Analyze financial statements and other relevant data to assess the creditworthiness of a borrower.
• Determine appropriate credit risk categories and ratings for a borrower based on a thorough credit analysis.
• Evaluate the feasibility of a credit request, taking into account the borrower's industry, market conditions, and other relevant factors.
• Recommend credit decisions and lending terms based on the results of a credit analysis and risk assessment.

Requirements

• Knowledge of the English language.
• A basic understanding of accounting and the structure of the three key financial statements is required.
• A financial calculator is recommended for this course.

Target audience

• Relationship managers (0-5 years) in commercial, corporate and investment banking.
• Analysts and associates in commercial, corporate and investment banking.