Credit Analysis for Lenders
Calling all aspiring credit analysts! Get ready to impress in interviews by mastering the analysis required by lenders for making a loan.
Buy Credit Analysis for Lenders
Get all courses with a Felix Boost or Pro plan
Access every course we offer with a Felix plan. Over 275 hours of learning content across 3,793 videos and counting.
£449
Single Course
Lifetime access to a single course
£199
One-time payment.
All Courses Access
3,784 videos across 427 playlists in our Boost plan.
£449
Billed annually.
All Courses & Company data
Advanced analytical tools for 7,000 firms in our Pro plan.
£699
Billed annually.
30-Day Money-Back Guarantee T&C apply
3000+ students enrolled
6
Hours to Complete
6
Topics
13
Practical exercises
Credit Analysis for Lenders includes
- 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
- 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
- Understanding business risk (macro, industry, and company)
- A closer look at company risk
- Management risk
- Estimating business risk
- 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
- 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
- -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)
Credit Analysis for Lenders
| skills-certificate
Credit Analysis for Lenders
6
Hours
18
Practical exercises
1
Exam
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
Video minutes 17
Excel Exercises 0
Controlling Credit Risk
39 video minutes
3 excel exercises
Video minutes 39
Excel Exercises 3
Business Risk
10 video minutes
Video minutes 10
Excel Exercises 0
Financial Risk
52 video minutes
4 excel exercises
Video minutes 52
Excel Exercises 4
Debt Capacity
36 video minutes
6 excel exercises
Video minutes 36
Excel Exercises 6
Credit Analysis Case in Point
37 video minutes
5 excel exercises
Video minutes 37
Excel Exercises 5
Learn from our expert instructors
Learn more about our full faculty
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.
What Our Students Say
Get Credit Analysis for Lenders Skills Certificate
Single Course
- Lifetime access
- Expert instructor support
Boost Plan
Includes full access to all certified courses.
- 266+ hours of instructor-led learning
- Search across 480+ playlists, 4000+ videos and Q&As
- Role-focused pathways
- Expert instructor support
Pro Plan
Full Felix access including all learning content and data features.
- 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
Compare plans
| Single Course | Boost Plan | Pro Plan | |
|---|---|---|---|
| Completion certificates | 42 | 42 | |
| Skills certificates | 1 | 59 | 59 |
| Micro-degrees | 12 | 12 | |
| Lifetime access to course | |||
| Expert instructor support | |||
| Practical exercises to work alongside videos and quick quizzes to test your understanding | |||
| Searchable library of 480+ playlists, 4000+ videos and Q&As | |||
| 12 role-based learning pathways, including Investment Banking, Equity Research, Sales and Trading and more | |||
| Weekly live webinars | |||
| Streamlined company data (WACC. & EV bridge calculator, custom comparables) | |||
| Current and historic filings for over 7000 firms globally | |||
| Current and historic filings for over 4000 US firms | |||
| 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 | |||
Frequently Asked Questions
What tech do I need?
Is it right for me?
Are Financial Edge's courses credible?
Will the Credit Analysis for Lenders help me get a job?
How long do I have to complete the Credit Analysis for Lenders ?
Are there any hidden costs?
What support will I get along the way?
What is the difference between a Felix subscription and buying a single course?
