Mastering Credit Risk: AI, Analytics & Modern Underwriting

What you will learn:

Develop a robust framework for thorough corporate credit analysis.
Expertly assess business and financial risks in corporations.
Objectively evaluate management quality's influence on credit risk.
Determine a corporate's default probability and overall creditworthiness.

Description

Unlock the secrets to confident credit risk assessment in this comprehensive online course. Navigate the complexities of financial analysis, leveraging AI-powered tools and modern underwriting methods to make informed lending decisions. Whether you're a seasoned banker, a budding risk underwriter, or a business professional managing trade credit, this course provides the practical skills and in-depth knowledge needed to excel. Explore real-world banking scenarios and case studies, mastering the art of evaluating business and financial risks, and mitigating potential losses.

Why this course is essential:

Real-world applications: Learn through practical case studies and interactive examples, directly applicable to your profession.
AI and analytics: Master modern techniques, including AI-powered risk assessment, to optimize decision-making.
Comprehensive coverage: Explore all facets of credit risk, from fundamental frameworks to advanced analysis methods.
Industry-recognized models: Gain expertise using credit models from major rating agencies like S&P, Moody's, and Fitch.
Structured approach: Develop a methodical and efficient process for analyzing creditworthiness, from assessing business risk to making final credit decisions.

What you will learn:

Build a strong foundation in credit risk principles and analytical frameworks.
Analyze financial statements with precision, including profit & loss, balance sheets, and cash flow statements.
Assess both qualitative and quantitative factors affecting creditworthiness.
Evaluate business risk, including macroeconomic trends, industry dynamics, and competitive landscapes.
Master the art of assessing management quality and its impact on credit risk.
Identify and effectively mitigate credit risks.
Make informed decisions regarding credit approval or denial, setting appropriate credit limits, and managing exposure.

Transform your career and take control of credit risk. Enroll today!

Curriculum

Introduction

This introductory section sets the stage for the course, outlining its goals and providing a warm welcome to participants. The 'Welcome and Course Goals' lecture (7:19) will provide a comprehensive overview of what to expect from the course, ensuring a clear understanding of the learning journey ahead.

Credit Risk Analysis Fundamentals

This section lays the foundation for understanding credit risk analysis. You'll learn about the Risk Analysis Framework (4:04) and Risk Identification (5:07) processes. Business Risk Analysis is covered in two lectures (10:34 and 10:23). A brief overview of Corporate Credit Ratings (0:19) is given, followed by a hands-on case study (0:01) and a short quiz (5 questions).

Financial Risk Analysis Part 1: Profit & Loss Account and Balance Sheet

This section dives deep into analyzing key financial statements. Lectures cover analyzing sales (6:50), costs & OCI (6:17), the asset side of the balance sheet (7:29), and the liability and capital sides (8:41). A case study (0:02) and quiz (5 questions) reinforce learning.

Financial Risk Analysis Part 3: Ratio Analysis, Cash Flow & Liquidity

Here, you'll master ratio analysis. Lectures explain the use of ratios and key sales & profitability ratios (3:36 and 5:55), balance sheet ratios (9:19), and cash flow statements (10:13). A brief overview of financial ratio analysis (0:19), a case study (0:03), and a quiz (5 questions) complete the section.

Management Assessment, Liquidity and Credit Mitigation

This section focuses on evaluating management (11:50), structural mitigation (5:41), and liquidity assessment (5:46). A hands-on case study (0:05) and a quiz (5 questions) allow students to test their understanding.

Wrap-Up and Capstone

The course concludes with a wrap-up video (10:04) and a capstone project (0:07), providing a final opportunity to synthesize learning and apply acquired skills.

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