Credit Analysis & Decision-Making Course
This course equips you with essential credit analysis techniques, including detailed ratio analysis, cash flow and DSCR modelling, stress testing, and loan structuring. You will learn to prepare precise credit memos, establish covenants, price risks accurately, and make sound lending decisions applicable to actual financial transactions in professional settings.

from 4 to 360h flexible workload
valid certificate in your country
What will I learn?
Gain practical skills in credit analysis and decision-making through this focused course. You will learn to analyse key financial ratios, develop strong cash flow and DSCR evaluations, perform stress tests, and create effective lending terms, covenants, and pricing strategies. Additionally, acquire expertise in qualitative risk assessment, documentation best practices, and tailored modelling for mid-sized metal parts producers in the United States.
Elevify advantages
Develop skills
- Mastery of financial ratios: 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: determine terms, pricing, collateral, and covenants for small business loans.
- Qualitative risk evaluation: review industry factors, management quality, 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 workload. Choose which chapter to start with. Add or remove chapters. Increase or decrease the course workload.What our students say
Your lessons are perfect. I purchased the one-year package and finally have the opportunity to follow various topics of my interest without needing to change platforms... I thank you for everything you do, I've already recommended you to other people...

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

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

Luciana AlvarengaNail Design Student
The platform is fast, simple to use. The diversity of content and complementary videos help a lot with learning.

André FelipePrompt Engineering Student
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