Course Objectives

This course takes a more detailed look into the five Cs of commercial credit which form the basis for rational commercial lending. Most people involved in the lending or credit evaluation process are generally familiar with the Five Cs of Credit … Character, Capacity, Capital, Conditions, and Collateral. In this course, our instructor will build on these basic understandings and help the analyst build an effective framework to ensure that they have considered every important aspect of those five Cs in determining credit risk. In this informative course, we will cover:

  • The components of character and how to assess a borrower’s character

  • The meaning and importance of capacity and financial tools used to evaluate capacity

  • The meaning and importance of capital and how to assess the capital adequacy of businesses and individuals

  • The meaning and importance of conditions and how to assess conditions in lending, including international lending

  • An overview of collateral and how to assess collateral coverage

Course curriculum

  • 2

    Course Lessons

    • Components of Character

    • How to Assess a Borrower's Character

    • Meaning and Importance of Capacity

    • Financial Tools Used to Evaluate Capacity

    • Meaning and Importance of Capital

    • How to Assess the Capital Adequacy of Businesses and Individuals

    • Meaning and Importance of Conditions

    • How to Assess Conditions in Lending, Including International Lending

    • Overview of Collateral

    • How to Assess Collateral Coverage

  • 3

    Course Assessment

    • Review Quiz

    • Course Evaluation

Upgrade to the Certification Program

Credit analysts, lenders, risk managers, credit officers, portfolio managers and persons responsible for loan quality or review and those evaluating or regulating credit decisions would benefit from this course. Other financial professions seeking education in preserving quality lending and fully understanding and evaluating the loan underwriting process would also benefit from the training.

  • $799.00

    $799.00Commercial Credit Analysis Certification

    The Commercial Credit Analysis Certification program consists of eight (8) courses covering the Credit Analysis Process, the Five C's of Credit, Analyzing Financial Statements, the Balance Sheet, the Income and Equity Statements, the Cash Flow Statement, Financial Ratios Analysis, and Analyzing the Creditworthiness of Individuals. You can save purchasing these courses as a bundle while earning an important certification to demonstrate your credit analysis expertise. The courses are available to revisit for one year from the date of purchase. You will have access to any updated materials reflecting changes in prudent banking practices, regulations, and market conditions during this time.
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