Credit Evaluation Fundamentals Course
Gain expertise in credit evaluation for personal loans. The course covers underwriting procedures, interpreting credit scores and reports, applying the 5 Cs of credit, DTI and cash flow analysis, and risk management techniques. This enables you to deliver confident and documented lending decisions in the retail banking sector.

flexible workload of 4 to 360h
valid certificate in your country
What will I learn?
This course equips you with essential skills to assess personal loan applications effectively. You will master underwriting processes, regulatory requirements, documentation norms, and credit score analysis. Gain hands-on experience with the 5 Cs of credit, DTI calculations, cash flow evaluations, and borrower-specific strategies, while crafting precise credit memos.
Elevify advantages
Develop skills
- Personal loan underwriting using standard retail practices confidently.
- Interpreting credit scores and reports to identify risks quickly.
- Evaluating the 5 Cs of credit including capacity, character, and collateral.
- Calculating DTI ratios, testing cash flows, and applying conditions.
- Drafting clear and concise credit memos for approvals or rejections.
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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