Applied Credit Analysis Course
This course equips participants with hands-on skills in credit analysis, from financial statement normalization and ratio analysis to cash flow modeling, covenant design, and risk monitoring, enabling confident borrower assessment and effective deal structuring.

from 4 to 360h flexible workload
valid certificate in your country
What will I learn?
The Applied Credit Analysis Course provides practical tools to assess borrowers confidently. Learn to normalise financial statements, interpret key ratios, and construct cash flow-based debt capacity models. Develop abilities in covenant design, collateral evaluation, and portfolio monitoring, including early warning indicators and remediation steps, to structure stronger deals and manage risk more effectively.
Elevify advantages
Develop skills
- Credit data normalisation: Clean, adjust, and standardise financial statements quickly.
- Financial ratio insight: Convert liquidity, leverage, and coverage ratios into decisions.
- Cash flow & DSCR modelling: Construct 5-year debt, stress tests, and refinancing views.
- Covenant structuring: Design tight, realistic covenants, collateral, and loan terms.
- Early warning monitoring: Set up EWI dashboards, watchlists, and escalation paths.
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 workloadWhat our students say
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