Applied Credit Analysis Course
This course equips participants with hands-on skills in credit analysis, from financial statement normalization and ratio analysis to advanced cash flow modeling, covenant design, and risk monitoring techniques for effective deal structuring and portfolio management.

4 to 360 hours flexible workload
valid certificate in your country
What will I learn?
The Applied Credit Analysis Course provides you with practical tools to assess borrowers confidently. Learn to normalise financial statements, interpret key ratios, and construct cash flow–based debt capacity models. Develop expertise in covenant design, collateral evaluation, and portfolio monitoring, including early warning indicators and remediation measures, enabling you to structure more robust deals and manage risk more effectively.
Elevify advantages
Develop skills
- Credit data normalisation: Clean, adjust, and standardise financial statements quickly.
- Financial ratio insight: Transform liquidity, leverage, and coverage ratios into actionable decisions.
- Cash flow & DSCR modelling: Construct 5-year debt projections, stress tests, and refinancing scenarios.
- Covenant structuring: Design precise, realistic covenants, collateral, and loan terms.
- Early warning monitoring: Establish EWI dashboards, watchlists, and escalation protocols.
Suggested summary
Before starting, you can change the chapters and the workload. Choose which chapter to start with. Add or remove chapters. Increase or decrease the course workload.What our students say
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