What you'll learn

Understand the credit analysis process, including risk identification, analysis, and mitigation within credit risk analysis and management.
Build and apply financial skills to evaluate business, financial, and structural risks in corporate credit risk analysis.
Identify the appropriate information requirements used in credit analysis and underwriting for effective risk evaluation.
Implement a structured approach to business risk analysis, assessing macro, industry, and company-specific factors.
Apply industry and company-specific credit risk assessment techniques and tools, including the BCG Matrix and Porter’s Five Forces.
Analyze key functional areas of a business using structured frameworks such as SWOT analysis to support fundamental credit analysis.
Examine a company’s financial statements, including the income statement and balance sheet, as part of financial and credit risk analysis.
Evaluate financial statements and relevant data to assess borrower creditworthiness using proven credit risk analysis methods.
Determine appropriate credit risk categories and credit ratings through detailed credit rating and risk analysis.
Assess the feasibility of a credit request by evaluating industry conditions, market risks, and borrower financial strength.
Recommend informed credit decisions and lending terms based on a comprehensive credit analysis and credit risk assessment.

Course content

10 sections • 45 lectures • 7h 37m total length

Welcome!0:52
Credit Analysis11:55
In this module, you will learn how to analyze credit risk and assess borrower creditworthiness through financial statement analysis and other techniques.
Risk Assessment Process12:55
This module covers the fundamentals of risk assessment including identification, analysis and evaluation of potential risks.
Legal Entities12:17
This module includes understanding of different legal structures of business entities such as corporations, partnerships and sole proprietorships.
SME Lending9:05
In this module, you will learn the best practices of lending to small and medium enterprises, including risk assessment and loan underwriting.
Quiz: Module 1

Basic Definitions9:38
Instructor Simon Green discusses the first section of accounting (part 1 of 11).
Fundamental Accounting Concepts9:32
This module covers the fundamental concepts of financial accounting, including the preparation of financial statements and the accounting equation.
Accounting System Process12:16
In this module, you will learn the process of designing, implementing and maintaining an accounting system and the use of technology in accounting.
The Income Statement8:56
This module includes understanding of the income statement, its purpose, components and interpretation for decision making.
The Balance Sheet11:04
In this module, you will learn the basics of balance sheet including its components and purpose, and how to interpret and analyze it.
Costs8:04
This module covers the different types of costs, their classification and behavior and how they are used in decision making
Fixed Assets10:43
In this module, you will learn the basics of fixed assets such as property, plant, and equipment including their acquisition, depreciation and disposal.
Intangible Assets10:08
This module includes understanding of intangible assets, such as patents, trademarks, and copyrights, and their recognition, measurement, and disclosure.
Net Realisable Value12:28
In this module, you will learn the concept of net realizable value and its use in determining the value of inventory and impairment of assets.
Leases8:51
This module covers the accounting treatment of leases, including the classification of leases and their impact on financial statements.
Provisions11:26
In this module, you will learn the accounting treatment of provisions such as liabilities and contingencies and the use of expected value in accounting.
Quiz: Module 2

The Cash Flow Statement11:41
This module includes understanding of the cash flow statement, its purpose, components, and interpretation for assessing liquidity and solvency.
Changes in Working Capital11:11
In this module, you will learn about the changes in working capital and how it is used to evaluate the short-term financial performance of a company.
Consolidated/Group Accounts8:34
This module covers the accounting and reporting for a group of entities, including the preparation and presentation of consolidated financial statements.
Quiz: Module 3

Macro Risk Analysis11:00
In this module, you will learn about Macro Risk Analysis, including the evaluation of external factors that impact the economy and industries.
Industry Risk Analysis10:35
This module includes an in-depth understanding of Industry Risk Analysis, including the identification and evaluation of internal and external risks faced by the industry.
Competitive Analysis12:15
In this module, you will learn the concepts and techniques of competitive analysis to evaluate the strengths, weaknesses, opportunities and threats of competitors.
Operational Analysis8:49
This module covers operational analysis techniques such as process mapping, flowcharting and performance metrics to evaluate internal operations and identify improvement opportunities.
Assessing Management8:03
In this module, you will learn the best practices and tools for assessing the effectiveness of management, including evaluating leadership, strategic planning and decision making.
Quiz: Module 4

Use of Spreadsheets11:55
This module covers advanced use of spreadsheets, including functions, formulas, modeling, and data visualization to manage and analyze financial and business data.
Analysis Focus: The Income Statement12:53
In this module, you will learn advanced concepts of income statement analysis, including ratio analysis, trend analysis, and benchmarking to evaluate financial performance.
Analysis Focus: The Balance Sheet - Part 111:52
In this module, you will learn the basics of the balance sheet, including its components and its role in financial analysis.
Analysis Focus: The Balance Sheet - Part 27:58
This module builds on the information from Part 1, diving deeper into the interpretation and analysis of a balance sheet.
Quiz: Module 5

Use of Ratios13:58
In this module, you will learn how to use various financial ratios to analyze a company's performance and financial health.
EBITDA - a cashflow approximation8:50
This module includes a comprehensive overview of EBITDA and how it is used to approximate cash flow for financial analysis.
Solvency Ratios - Debt / Net Worth10:02
This module covers the use of solvency ratios to analyze a company's debt to net worth, and the ability to meet long-term obligations.
Efficiency Ratio - Inventory, AR and AP5:46
In this module, you will learn how to analyze and calculate inventory, accounts receivable, and accounts payable efficiency ratios.
Quiz: Module 6

Bird's Eye View of Cash Flow & Liquidity: Cash Flow as a Symptom9:19
In this module, you will learn how to analyze and interpret a company's cash flow and liquidity, understanding cash flow as an indicator of overall financial health.
"SPACED" Approach to Cash Flow Analysis9:12
This module covers the "SPACED" approach to cash flow analysis, including how to identify and analyze cash flows from operations, investments, and financing activities.
Operational Analysis and Cycles11:50
In this module, you will learn how to analyze a company's operational performance and how to identify and understand business cycles.
Impact of Cycles on Amounts / Quantums10:04
This module covers the impact of business cycles on financial amounts and quantities, and strategies for managing the volatility of business operations.
Asset & Cash Conversion Cycles13:46
In this module, you will learn how to analyze the Asset and Cash Conversion Cycles and the impact on the financial position of a company.
All About Liquidity - Access to Cash and Cash Sources: Operational + Financial11:25
This module includes a comprehensive overview of liquidity, including both operational and financial sources of cash and the impact on a company's access to cash.
Seasonal Business | Cyclical Needs | Non-Operational Cash Sources13:51
This module covers various sources of non-operational cash, including investment income and financing activities.
Quiz: Module 7
Defending a Lending Recommendation to a Senior Credit Officer

Management Accounts & Assessing Those Accounts13:38
In this module, you will learn about creating and interpreting management accounts, as well as assessing their effectiveness.
Key Focus in Management Accounts - Limited Time Requires Focus13:03
This module covers key focus areas in management accounts and how to prioritize limited time and resources.
Projections & Forecasts: Industry, Business & Management9:49
This module covers industry, business and management projections and forecasts, and how to develop them.
Financial Assumptions: Managing Payout Alternatives to the Bank11:49
This module covers how to make financial assumptions and evaluate payout alternatives for managing cash flow and banking.

Requirements

Basic proficiency in English to follow course explanations and materials.
A foundational understanding of accounting, including the structure of the three core financial statements (income statement, balance sheet, and cash flow statement).
A financial calculator is recommended to perform calculations related to financial analysis and fixed income concepts.

Description

This comprehensive course is designed to equip credit professionals with the skills required to make commercial lending decisions based on conclusion-driven analysis. Participants will strengthen their analytical capabilities by applying a logically structured credit analysis framework that supports sound commercial credit decisions.

The course begins with the identification of the deal structure and credit structure, and then progresses through the full credit analysis process—from business risk analysis to financial risk evaluation, and finally to structural risk assessment. Along the way, learners will also explore and compare different industry dynamics to better understand how external factors influence creditworthiness and lending outcomes.

The program includes 42 lectures across 8 sections, introducing each concept step-by-step and examining them in depth through practical examples and real-world insights.

More About This Course and Starweaver

This course is led by a seasoned commercial and corporate credit professional and executive with extensive hands-on experience in risk analysis and credit assessment. The program has been designed, produced, and delivered by Starweaver, one of the world’s most respected and established professional training providers.

Starweaver delivers training programs to leading global financial institutions and technology companies, including organizations such as Ahli United Bank, Mashreqbank, American Express, ANZ Bank, Banco Votorantim, Bank of America, Barclays, BMO Financial Group, BNP Paribas, Citibank, Commerzbank, HSBC, Nomura Securities, Royal Bank of Canada, Santander Corporate Bank, Wells Fargo, Westpac Corporate Bank, Tata Consultancy Services, Wipro, and many others.

Through its globally recognised programs, Starweaver has helped thousands of professionals strengthen their expertise in commercial credit analysis, lending, and financial risk management.

Happy learning.

Who this course is for:

Relationship managers (0–5 years of experience) working in commercial, corporate, or investment banking who want to strengthen their understanding of commercial credit analysis, lending, and credit risk.
Analysts and associates in commercial, corporate, and investment banking seeking to build practical skills in credit underwriting, financial analysis, and borrower risk assessment.

What you'll learn

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Course content

General Principles of Lending5 lectures • 47min

Accounting - Part 111 lectures • 1hr 53min

Accounting - Part 23 lectures • 31min

Business Risk Analysis5 lectures • 51min

Financial Risk Analysis 1: Key Risk4 lectures • 45min

Financial Risk Analysis 2: Ratio Analysis4 lectures • 39min

Financial Risk Analysis 3: Cash Flow & Liquidity8 lectures • 1hr 19min

Financial Risk Analysis 4: Management Accounts & Projection4 lectures • 48min

Closing Remarks1 lecture • 3min

Bonus Lecture1 lecture • 1min

Requirements

Description

Who this course is for: