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
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