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.
Outline points are grouped in one designed block instead of being treated as separate module cards.
01Credit Risk Foundations3 topics
- Borrower, facility, counterparty, and concentration risk
- Default probability, exposure, and loss
- Credit lifecycle and decision responsibilities
02Borrower and Industry Assessment3 topics
- Business model, management, market, and competition
- Industry cyclicality and external pressures
- Strengths, vulnerabilities, and key dependencies
03Financial Statement Analysis3 topics
- Profitability, liquidity, leverage, and cash generation
- Quality of earnings and working capital
- Ratio trends and peer comparison
04Cash Flow and Repayment Capacity3 topics
- Operating cash flow and debt service
- Forecast assumptions and downside scenarios
- Primary and secondary repayment sources
05Facility Structure and Protection3 topics
- Purpose, amount, tenor, pricing, and amortization
- Collateral, guarantees, covenants, and conditions
- Matching structure to risk and cash cycle
06Credit Monitoring and Early Warning3 topics
- 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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