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
Our course combines 20 practical online modules with review questions, practical exercises and personalised mentoring from experienced commercial bankers.
Participants who successfully complete the course receive a Certificate of Completion.
Expert-Led Training
Learn from Darren and Thanh, who draw on their commercial banking experience to explain how lending proposals are assessed, structured and presented.
Practical Online Learning
Study online at your own pace, with clear explanations, worked examples and practical exercises covering credit analysis and commercial lending.
Ongoing Mentorship & Support
Experienced commercial bankers review your assessments, provide feedback and help you work through topics you find challenging.
The Credit Analyst Academy Experience
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Learn and Reinforce Your Understanding
Work through practical modules and complete review questions at the end of each topic to check your understanding and reinforce your learning.
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Apply Your Knowledge Before Progressing
Complete final questions and exercises at the end of each module to test your knowledge and apply what you have learnt before moving to the next module.
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Receive Personalised Mentor Feedback
Your mentor reviews your submitted assessments, explains areas for improvement and provides guidance to strengthen your analysis and credit recommendations.
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Complete a Practical Final Assessment
Bring your skills together in a commercial lending case study, including base case and downside financial modelling, credit risk assessment and a clear, well-supported credit paper.
Who Is This Course For?
For people starting a career in commercial banking or credit, developing their banking skills or expanding
into commercial lending.
For questions about the course, certificate and enrolment, visit our FAQ page.
University Students & Recent Graduates
Build practical credit analysis skills to support applications and interviews for graduate and entry-level commercial banking roles.
Bankers
Strengthen your financial analysis, credit assessment and credit writing skills for your current role or progression into commercial banking and credit.
Professionals
Develop the commercial lending knowledge and practical assessment skills needed to transition into a credit or commercial banking role.
Brokers
Learn to assess commercial lending opportunities, understand lender requirements and prepare well-supported credit submissions.
Explore Career Opportunities in Credit Analysis
SEEK data recorded more than 1,500 advertised credit analyst roles across Australia in May 2026.
Credit analysis skills are relevant to roles across commercial banking, business lending and credit risk. These roles involve analysing businesses, assessing repayment capacity and preparing credit recommendations.
Credit Analyst Academy helps you develop these skills through practical online training and feedback from experienced commercial bankers, whether you’re preparing for your first role or progressing in banking and finance.
Source: SEEK Career Insights for Credit Analyst roles in Australia. Data accessed May 2026.
Advertised Roles
1,560
Open roles across Australia
Salary
$95k
Typical annual salary
Projected Job Growth
22.3%
Projected 5 year job growth
Job satisfaction
4.1
Based on industry reviews
