Credit Analysis for Lenders includes

skills certificate

Credit Analysis for Lenders

| skills-certificate

skills certificate

Credit Analysis for Lenders

| Skills Certificate
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Practical exercises



Build a comprehensive understanding of the credit process undertaken by the lenders of a loan. Examine the different risks involved against the loan, the tools used to mitigate these risks, and how to analyze a borrower’s ability to meet future obligations. The knowledge and skills developed can be applied directly to any credit analyst role.

Credit Risk Overview

17 video minutes

0 excel exercises

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Video minutes 17

Excel Exercises 0

  • How banks make money
  • The credit perspective
  • How bad loans affect banks
  • Intro to the credit process
  • The 5 Cs of credit
  • Quantifying credit risk
  • Default risk
  • Loss given default risk

Controlling Credit Risk

39 video minutes

3 excel exercises

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Video minutes 39

Excel Exercises 3

  • The components of the credit memo
  • Determining the risk in lending for various purposes
  • Using pricing and fees to mitigate risk and drive the bank’s return
  • The role of covenants in monitoring the loan
  • How banks minimize risk by selling off pieces of the loan
  • Using seniority, security, collateral and guarantees to protect the loan
  • How banks minimize risk by selling off pieces of the loan

Business Risk

10 video minutes

0 excel exercises

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Video minutes 10

Excel Exercises 0

  • Understanding business risk (macro, industry, and company)
  • A closer look at company risk
  • Management risk
  • Estimating business risk

Financial Risk

48 video minutes

4 excel exercises

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Video minutes 48

Excel Exercises 4

  • Determining on and off-balance sheet obligations
  • Assessing the quality and efficiency of a company’s assets
  • How to calculate EBIT and EBITDA for credit analysis
  • How OWC can impact a company’s cash flow
  • Assessing cash flow adequacy
  • Measuring a companies ability to withstand fluctuations
  • Liquidity definition and calculations

Debt Capacity

36 video minutes

6 excel exercises

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Video minutes 36

Excel Exercises 6

  • Determining how much room a company has to borrow additional funds
  • Analyzing a company’s cash flow to determine borrowing capacity
  • Using base case, upside, and downside scenarios to determine debt capacity
  • Using cash flow analysis to determine the timings of a loan repayment
  • Extending debt capacity using cash flows from later years in the forecast
  • Modeling credit scenarios

Credit Analysis Case in Point

37 video minutes

5 excel exercises

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Video minutes 37

Excel Exercises 5

  • -Business Risk – Using descriptive materials provided, simulated 10-k snippets, press releases, etc
  • Financial Risk (current financial position, quality of earnings, cash flow, liquidity)
  • Discussion of Smithy’s corporate structure and structural subordination issues
  • Debt Capacity (cash flow forecasts, debt service coverage ratio DSCR, building scenarios)
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Wall Street Recognized Certification

Established on Wall Street, Financial Edge has taught at the biggest bulge-bracket firms since 2016, and now we offer that very same training online for you. It’s no secret that banking is fiercely competitive, which is why our Wall Street recognized certification is designed to let your employers know you have the skills to succeed.

This course is officially CPD certified

Continuing Professional Development (CPD) keeps a record of your increasing skills, knowledge and experience throughout your career, which now includes select Financial Edge certifications.

What Our Students Say

Credit Analysis for Lenders Skills Certificate is included in your Felix Plan


Get full access to all our certified courses and instructor support.

Includes full access to all certified courses.

£269.440% off
Billed annually.
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Boost includes:
  • 184+ hours of instructor-led learning
  • Search across 350+ playlists, 3000+ videos and Q&As
  • Role-focused pathways
  • Expert instructor support


Gain additional access the full suite of data and analytics tools used by Wall Street analysts.

Full Felix access including all learning content and data features.

£419.440% off
Billed annually.
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Pro includes:
  • Everything in the Boost plan
  • Streamlined company data
  • Current and historic filings for over 7000 companies
  • Market and industry data
  • Ready-to-use sector and transaction models

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Boost Pro
Completion certificates 38 38
Skills certificates 51 51
Micro-degrees 12 12
Searchable library of 350+ playlists, 3000+ videos and Q&As
10 role-based learning pathways, including Investment Banking, Equity Research, Sales and Trading and more
Expert instructor support
Practical exercises to work alongside videos and quick quizzes to test your understanding
Weekly live webinars
Streamlined company data (WACC. & EV bridge calculator, custom comparables)
Current and historic filings for over 4,000 US firms
Current and historic filings for over 7,000 firms globally
Link to, label and share data points in filings (limited to 10 for Free and Boost users, unlimited for Pro)
Regional and industry data sets
Ready-to-use sector and transaction models
Boost £449 £269.4 Billed annually Get Started
Pro £699 £419.4 Billed annually Get Started

Frequently Asked Questions

What tech do I need?

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Access your course across desktop, laptop, tablet or phone; either via our web portal or the dedicated mobile app. While we have optimized our video quality and size, we recommend a broadband connection to enable uninterrupted video playback. A PDF reader and spreadsheet application are required to open the supporting resources.

Is it right for me?

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Our online courses reflect the training new analysts receive at the leading financial organizations. They're challenging, but if you want to demonstrate you are as good as the best in the industry then this is the course for you. The top investment banks will recognize our micro-degree certifications, making them perfect for graduates looking to land a job or a professional preparing for a new role.

Are Financial Edge's courses credible?

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The leading investment banks, as rated by the FT, hire us to train their incoming analysts. If you are looking to join the best analysts in the world, why not challenge yourself with the same content and certification with the same Wall Street instructors ready to answer your questions.

Will the Credit Analysis for Lenders help me get a job?

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Absolutely. Develop practical skills you can use to impress at interviews, whether you’re looking to break into finance or change roles.

How long do I have to complete the Credit Analysis for Lenders ?

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Everyone works at their own pace so there's no restrictions, all you need is an active Felix plan for the course you are completing. All Felix plans renew annually.

Are there any hidden costs?

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No. Everything you need is included, from instructor-led videos and Excel exercises to the exams.

What is CPD?

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All of our online courses are CPD accredited. CPD stands for Continuing Professional Development and makes demonstrating your commitment to learning easy. Your institution or accrediting body may track CDP points through activities, units or hours. Check with the relevant party to find out how you should be monitoring your progress.

What support will I get along the way?

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Our expert instructors are standing by to answer questions and help you develop a detailed understanding of finance complexities. Our technical support team are also ready to help with any system problems.