
Master credit analysis from scratch through three simple steps in a self framework, blending qualitative and quantitative methods with real case studies to produce credible credit reports.
Delve into the art and science of credit analysis, where analysts assess financial statements, ownership, and management to determine credit risk, loans, and limits for banks and corporates.
Learn how credit ratings summarize analysts' views of a company's credit profile and guide investment decisions and counterparty risk using S&P, Moody's, and Fitch scales.
Explore how underwriting sets credit limits and how credit analysis gauges default risk, using qualitative and financial factors, forward-looking judgments, and rating frameworks like S&P and Moody's.
Explore how to conduct industry analysis within credit analysis by evaluating macro environment, EBITA margins, debt to EBITA, competition, and major players, using beer industry examples like Heineken and Japan.
Outline a company's background and corporate profile, including legal status and operating history, and analyze business segments, sales revenue by geography, and notes to financial statements for credit assessment.
Discover how credit metrics transform unprocessed financial data into indicators, including EBITA margins, gross, operating, and net profit margins, to compare firms like Disney and Domino's and guide credit ratings.
Understand how company shareholding shapes credit analysis by tracing ultimate parents and subsidiaries, and evaluate how ownership, whether private, public, or government-led, can uplift ratings.
Learn how credit analysts gather information from financial statements, annual reports, and corporate registries, and how platforms like Capital IQ, Bloomberg, and Reuters help assess a company's financial health.
Most businesses fail when they run out of cash, despite asset sales or cost cuts, as late payments and weak cash flow doom debt and drive lenders away.
Assess creditworthiness by collecting loan details, audited financials, and industry context, applying data processing and adjustments, forecasting covid-19 impacts, and determining credit ratings, loan terms, and covenants.
Assess how credit ratings evaluate a firm’s ability to repay debt and how rating outlooks signal future credit risk under IFRS and other accounting standards for transparent financial reporting.
Apply credit ratios in the CELL framework to assess a firm's profitability, leverage, and liquidity using credible, standards-compliant financial statements and five-year comparisons.
Analyze capital expenditure (CapEx) as purchases of property and equipment funded by investors, shaping cash flows from investing activities in capital-intensive industries, with covid-19 effects on liquidity and depreciation.
Explore profitability basics by analyzing earnings and earnings performance through the cycle, with Coca-Cola as a case study of competitive advantages, brands, distribution, and COVID-19 impact.
Learn to analyze profitability using EBIT and EBITDA, adjust for non-recurring items, and evaluate Coca Cola's competitive position, margins, and cash flow implications in a case study.
Explore cash flow basics, including operating, investing, and financing cash flows, and analyze working capital components like accounts receivable and inventory, plus the cash conversion cycle and free cash flow.
Analyze Home Depot's cash conversion cycle to assess operating cash flows, working capital management, and liquidity amid industry cyclicality and covid-19 impacts.
Analyze Home Depot's cash conversion cycle by comparing supplier discount versus bank financing, and explore recession effects and the implications of a negative cash conversion cycle.
Examine liquidity fundamentals, including cash flows, working capital, and the cash conversion cycle, using Coca-Cola’s case to illustrate sources and uses, lines of credit, and ratio benchmarks.
Assess liquidity and refinancing risk in aviation by examining working capital needs, cash conversion cycle components, and a debt maturity profile against industry pressures and going-concern considerations.
Explore how leverage affects risk and earnings through Coca-Cola’s case, analyzing on- and off-balance sheet debt, debt facilities, and key ratios.
Explore how Sharp's case applies the self framework to credit analysis, revealing context, earnings, liquidity, and leverage that shape its rating amid distress restructuring and a debt to equity swap.
Assess parent support for subsidiaries using reputational risk, ownership percentage, and strategic operations, illustrated by 3M Japan Ltd, and consider the sovereign ceiling in final ratings.
Apply the context and consequences framework to credit analysis, turning figures into meaningful, industry-specific insights and forward-looking implications for assessing a company’s credit risk.
Apply the sea squirt method to earnings, analyze Starbucks ebita margins in context, and compare peers like McDonald's and Yum Brands to shape the credit view.
Explore Samsonite's liquidity through the c-square portion of the sell framework to show how long-term bank borrowings mask weak cash flows and risky credit.
Use the S framework to reframe leverage by separating long-term debt from short-term risk, analyze Tokyo Corp's debt maturity and debt-to-ebita to avoid premature conclusions under Japan's ultra-low rates.
What you will get from this Course?
You will receive the full set of tools, with the same level of quality that you would get or better, if you were trained directly inside a bank.
Unlike other courses, we are very focused on the outcome. There are no theoretical textbook explanations with fictious examples. All examples used are real-life financial statements.
Most importantly, you will be able to WRITE A CREDIT REPORT. No course out there offers you such a deal. Most courses simply tell you all the theory, derivations with no use in the actual workplace.
What’s the point of knowing the definitions of cash flow? We teach you exactly how to write out an entire section about Cash flow analysis, the type of analysis seen in professional reports like those seen in S&P, Moody’s and Fitch.
This is as real as it gets to working directly in a credit risk department in a bank or a company.
On top of that you learn the actual CREDIT RATING. You will know what Rating to assign to a company. You won’t be lost reading about rating criteria and be stumped when it comes to the rating assignment. You will be able to confidently assign a rating and explain it professionally.
No more paying for hundreds or thousands of dollars and still not able to write a credit report.
If you are new to credit analysis, financial statements, I’d like to show you how to get started fast.
If you already have been learning a little about analyzing financial statements, I like to show you how to systematically interpret them and write credit analysis reports which will help you grow your career in the financial sector to over 6-figures salary
I’d give you all the tools, the techniques, the systems, all the wining frameworks, templates and the exact stuff that professionals look out for in financial statements and annual reports.
Identify which parts of the financial statements that really matter in analysis
Create analytical reports for your job or for your own investments
Attract headhunters and the largest companies in the world to call you for interviews
Rapidly grow your salary to the 6-figure range and broaden your choice of jobs
Write effective reports that read professionally which credit rating agencies like what S&P, Moody’s produce
And More...
What you won’t get from this Course?
If you are looking for textbooks, theories that won’t help you write a credit report or answer credit-related interviews, then you will be disappointed.
We used to go through tons of such materials, and yet we still struggled when asked to write a credit report on a job interview as a case study. In other words, most courses and textbooks out there do not provide the bridge from theory to reality.
We want to offer you training as good as you will get if you join a bank or a financial institution. The best suite of training materials to support you in everyway possible so that you can jump straight into any credit analyst job right away.