Finance & Accounting
Credit Analysis and Credit Risk Management
This practical course develops directly applicable capability in Credit Analysis and Credit Risk Management. Participants work in depth on Credit Risk Foundations, and Borrower and Industry Assessment, and Financial Statement Analysis, then convert the methods into tools and actions suited to their workplace.
Objectives
- Apply the principles and methods of credit risk foundations in a workplace context.
- Apply the principles and methods of borrower and industry assessment in a workplace context.
- Apply the principles and methods of financial statement analysis in a workplace context.
- Apply the principles and methods of cash flow and repayment capacity in a workplace context.
- Apply the principles and methods of facility structure and protection in a workplace context.
- Apply the principles and methods of credit monitoring and early warning in a workplace context.
Target audience
- Professionals responsible for the subject area
- Managers and supervisors
- Analysts, coordinators, and specialists
- Project and improvement teams
- Employees preparing for broader responsibilities
Program outline
A clear structure for the learning journey.
Program outline
Outline points are grouped in one designed block instead of being treated as separate module cards.
Module 1: Credit Risk Foundations
Borrower, facility, counterparty, and concentration risk
Default probability, exposure, and loss
Credit lifecycle and decision responsibilities
Module 2: Borrower and Industry Assessment
Business model, management, market, and competition
Industry cyclicality and external pressures
Strengths, vulnerabilities, and key dependencies
Module 3: Financial Statement Analysis
Profitability, liquidity, leverage, and cash generation
Quality of earnings and working capital
Ratio trends and peer comparison
Module 4: Cash Flow and Repayment Capacity
Operating cash flow and debt service
Forecast assumptions and downside scenarios
Primary and secondary repayment sources
Module 5: Facility Structure and Protection
Purpose, amount, tenor, pricing, and amortization
Collateral, guarantees, covenants, and conditions
Matching structure to risk and cash cycle
Module 6: Credit Monitoring and Early Warning
Covenant, arrears, utilization, and behavior signals
Watchlists and rating migration
Credit recommendation and monitoring plan
Materials provided
- ○ Course-specific presentation slides
- ○ Practical exercises and facilitated activities
- ○ Course-specific worksheets, checklists, and templates
- ○ Applied workplace case studies
- ○ 4D Certificate of Completion issued by 4D Training & Consultancy
- ○ Post-course support for implementation questions
Training Options
Programs can be delivered in-house, online, or in a blended format depending on your team's schedule, location, and learning objectives. When an external certificate or exam is included, certification rules and fees remain under the relevant awarding body's policies, while 4D provides the training and preparation support.
Why choose 4D
4D adapts this program to the participant group and workplace context. Delivery combines structured explanation with course-specific exercises, realistic cases, working tools, and an action-planning component so participants can transfer the learning to their roles.
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