Credit Analysis & Decision-Making Course
This course equips you with hands-on skills in credit analysis, including detailed ratio analysis, cash flow and DSCR modelling, stress testing, and effective loan structuring. Learn to prepare comprehensive credit memos, establish covenants, determine risk-based pricing, and take assured lending decisions applicable to actual finance scenarios in the industry.

flexible workload of 4 to 360h
valid certificate in your country
What will I learn?
Gain expertise in practical credit analysis and decision-making through this focused course. Master interpreting essential financial ratios, developing strong cash flow and DSCR evaluations, performing stress tests, and crafting precise lending terms, covenants, and pricing strategies. Additionally, acquire abilities in qualitative risk assessment, documentation best practices, and tailored modelling for mid-sized metal components manufacturers in the United States.
Elevify advantages
Develop skills
- Financial ratio expertise: analyse profitability, liquidity, and leverage to evaluate credit risk.
- Cash flow and DSCR modelling: construct, test under stress, and assess loan repayment ability.
- Credit structuring skills: define terms, pricing, collateral, and covenants for SME lending.
- Qualitative risk evaluation: review industry, management, and collateral to reduce potential losses.
- Credit memo preparation: produce clear, evidence-based lending proposals efficiently.
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
Your classes are perfect. I got the one-year package and finally have the chance to follow several topics I'm interested in without having to switch platforms... I appreciate everything you do, I've already recommended you to others...

Giulio CarloDigital Marketing Student
I like how the lessons are straight to the point and how I can switch chapters and skip content I don't need.

Mariana FerresPhotography Student
I like the content and the way the videos are presented and transcribed, which speeds up the process!

Luciana AlvarengaNail Design Student
The platform is fast and easy to use. The variety of content and the supplementary videos really help with learning.

Giulio CarloPrompt Engineering Student
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