Discover why credit analysis is a rewarding career path, with strong earning potential, clear progression and the opportunity to support business growth.
Free
Our Modules
Introduction to Accounting Concepts
Build the accounting foundation needed to understand how financial information is recorded, interpreted and used in commercial credit assessment.
Understanding Financial Statements
Understand the purpose and structure of key financial reports and how they support credit analysis, financial review and credit decision-making.
Statement of Profit or Loss
Learn how to assess trading performance, revenue quality and profitability to support well-informed credit recommendations.
Statement of Financial Position
Learn how to assess a client’s financial position, liquidity, solvency and leverage to identify balance sheet risks and support credit recommendations.
Statement of Cash Flows
Learn how to interpret operating, investing and financing cash flows to assess liquidity, cash flow strength and repayment capacity.
Debt Servicing
Build the skills to assess a client’s ability to meet interest and principal repayments using servicing ratios, cash flow analysis and stress testing.
Breakeven Analysis
Learn how to use breakeven analysis to assess cost pressure, profitability and a client’s ability to withstand financial stress.
Forecast Financial Analysis
Conduct forecast financial analysis using three-way financial models, including base case and downside case scenarios, to assess cash flow, performance and debt servicing capacity.
Working Capital Analysis
Analyse working capital, cash flow timing and the Cash Conversion Cycle to identify liquidity risks and recommend appropriate funding solutions.
Financial Ratios
Learn how to turn financial ratios into practical credit insights on profitability, liquidity, leverage, efficiency and debt servicing capacity.
Financial Covenants
Learn how to set, interpret and monitor financial covenants to manage credit risk, identify early warning signs and protect the lender’s position.
Loan Repayment Arrangements
Develop the skills to structure repayment arrangements that align with a client’s cash flow profile, repayment capacity and credit risk.
Loan Products
Learn how to match loan products to client funding needs, cash flow profile and strategic objectives while managing credit risk.
Probability of Default (PD)
Apply financial and non-financial indicators to assess Probability of Default (PD) and support risk-aligned credit recommendations.
Security Instruments
Understand how security instruments protect the lender’s position, reduce credit risk and provide a secondary source of repayment if a client defaults.
Loss Given Default (LGD)
Learn how to assess how much the lender could lose if a client defaults by evaluating collateral value, recovery assumptions and realisation risk.
Loan Offers and Facility Agreements
Develop the skills to review loan documentation, interpret key clauses and assess legal, structural and credit risk implications.
Early Warning Signs
Identify early warning indicators and respond with proactive risk management strategies that protect the lender’s position.
Final Credit Paper Assessment
Bring everything together in a final credit paper that demonstrates your financial analysis, forecast modelling, credit risk assessment, loan structuring and commercial judgement.
What We Offer
Credit Analyst Academy combines structured online learning, practical case studies and personalised mentor support to help participants build practical credit analysis and commercial lending capability
Participants who successfully complete the course receive a Certificate of Completion.
Expert-Led Training
Learn directly from Darren and Thanh, drawing on decades of commercial banking and lending experience to build practical credit analysis skills and commercial insight.
Practical Online Learning
Build commercial lending capability through structured modules, case studies and guided exercises aligned with how credit is assessed in practice.
Ongoing Mentorship & Support
Receive mentor guidance throughout the course to strengthen technical capability, commercial judgement and confidence in applying credit concepts.
The Credit Analyst Academy Experience
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Learn by Applying Credit Concepts
Work through realistic commercial lending scenarios, financial analysis exercises and practical assessments designed to show how credit concepts are applied in practice.
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Build Skills Progressively
Develop capability across financial analysis, repayment assessment, credit risk, loan structuring, financial modelling and credit paper preparation as you move through the course.
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Receive Personalised Mentor Feedback
Get practical feedback and guidance from experienced commercial bankers to help strengthen your credit reasoning, commercial judgement and confidence.
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Complete a Practical Final Assessment
Bring your learning together through a detailed commercial lending case study, including base case and downside case financial modelling, credit risk assessment and preparation of a professional credit paper.
Who Is This Course For?
Designed for university students, recent graduates, aspiring credit analysts, developing bankers, finance professionals and brokers looking to build practical credit analysis and commercial lending capability.
For common questions about the course, certificate and enrolment, visit the FAQ page.
University Students & Recent Graduates
Build practical credit analysis skills relevant to graduate recruitment and entry-level credit and commercial banking roles.
Existing Bankers
Strengthen your credit analysis skills and build capability for progression into credit-focused or commercial banking roles.
Finance Professionals
Transition into credit analysis or commercial lending with structured training in financial analysis, credit risk and deal assessment.
Finance & Mortgage Brokers
Expand into commercial lending with stronger credit assessment skills and a deeper understanding of lender expectations.
Build Real-World Credit Analysis and Commercial Lending Skills in Australia
Demand for credit analysts continues across Australia, with SEEK data showing over 1,500 advertised roles.
Employers value candidates who can interpret financial statements, assess credit risk, understand repayment capacity and prepare clear credit recommendations.
Credit Analyst Academy helps participants build the practical credit analysis skills and commercial judgement needed to step into credit-focused roles or support stronger commercial lending outcomes.
Source: SEEK Career Insights for Credit Analyst roles in Australia. Data accessed May 2026.
Job opportunities
1,560
Open roles across Australia
Salary
$95k
Typical annual salary
Job Growth
22.3%
Projected 5 year job growth
Job satisfaction
4.1
Based on industry reviews
