The Credit Analysis Fundamentals training course is designed to provide finance professionals with a
thorough understanding of the principles, techniques, and tools necessary to perform effective credit
analysis. This course covers the fundamental aspects of assessing the creditworthiness of individuals,
corporations, and governments, focusing on evaluating credit risk through financial statement
analysis, credit ratios, industry trends, and qualitative factors. Participants will learn how to interpret
key financial metrics, assess macroeconomic and industry conditions, and evaluate both qualitative
and quantitative risks associated with lending decisions. The course also explores the relationship
between credit risk and broader market trends, preparing professionals to make well-informed
decisions in a wide range of credit settings, from corporate bonds to consumer loans and sovereign
debt.
By the end of the course, participants will have the skills to conduct detailed credit assessments,
identify potential risks, and provide recommendations on creditworthiness. They will gain an in-depth
understanding of credit ratings, risk mitigation strategies, and how to structure deals to minimize
exposure to default risk. The course will also cover the role of credit analysts in credit markets, the
impact of credit risk on pricing, and the importance of monitoring credit throughout the lifecycle of a
loan. Participants will leave with a practical toolkit to assess credit risk effectively, enabling them to
evaluate lending opportunities with greater precision and make sound credit-related decisions in their
professional roles.

Expected Outcomes:
 Credit Risk Identification: Participants will learn how to identify and assess the key risks
associated with lending, including both qualitative and quantitative factors.
 Financial Statement Analysis: Gain expertise in analyzing balance sheets, income statements,
and cash flow statements to evaluate a borrower’s financial health.
 Credit Rating and Risk Assessment: Understand the methodologies behind credit rating
agencies’ assessments and learn to apply similar techniques in their own evaluations.
 Credit Decision-Making: Develop the ability to make informed, data-driven credit decisions
based on financial metrics, industry conditions, and macroeconomic factors.
 Credit Monitoring: Learn techniques to monitor and manage credit risk over time, including
early warning signals of potential default or deterioration in creditworthiness.
 Practical Application: Equip participants with the practical tools to perform credit analysis
for different types of credit instruments, from loans to corporate bonds and sovereign debt.