Business Credit Analyst Course
Master the full commercial credit analysis process, from reading financial statements to writing credit memos that get approved. This course covers every skill a working business credit analyst needs, including cash flow modelling, collateral evaluation, and portfolio monitoring. If you are serious about a career in commercial lending, this is where you build the foundation.

from 4 to 360h flexible workload
certificate valid in your country
What will I learn?
You will learn how to analyse business financial statements, calculate debt service coverage ratios, and build cash flow projections that support real lending decisions. The course covers collateral valuation, credit structuring, covenant design, and credit memo writing. You will also develop skills in industry and qualitative risk assessment, portfolio monitoring, and early warning detection. Supplementary modules address commercial real estate, construction lending, credit scoring models, and emerging topics like AI-assisted underwriting and ESG risk factors. By the end, you will be equipped to perform end-to-end credit analysis on virtually any commercial borrower.
Elevify advantages
Develop skills
- Financial Statement Analysis: Spread, normalise, and interpret business financials for credit decisions.
- Debt Service Coverage: Calculate and stress-test DSCR to size and structure commercial loans.
- Collateral Evaluation: Assess collateral types, lien priorities, and advance rates to mitigate risk.
- Credit Memo Writing: Draft clear, persuasive credit memoranda that win approval from credit committees.
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 lessons are perfect. I purchased the one-year package and finally have the opportunity to follow various topics of interest without needing to change platforms... I'm grateful 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.

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