Discover why credit analysis is a rewarding career path, with strong earning potential, clear progression and the opportunity to support business growth.

Build the accounting foundation needed to understand how financial information is recorded, interpreted and used in commercial credit assessment.

Understand the purpose and structure of key financial reports and how they support credit analysis, financial review and credit decision-making.

Learn how to assess trading performance, revenue quality and profitability to support well-informed credit recommendations.

Learn how to assess a client’s financial position, liquidity, solvency and leverage to identify balance sheet risks and support credit recommendations.

Learn how to interpret operating, investing and financing cash flows to assess liquidity, cash flow strength and repayment capacity.

Build the skills to assess a client’s ability to meet interest and principal repayments using servicing ratios, cash flow analysis and stress testing.

Learn how to use breakeven analysis to assess cost pressure, profitability and a client’s ability to withstand financial stress.

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.

Analyse working capital, cash flow timing and the Cash Conversion Cycle to identify liquidity risks and recommend appropriate funding solutions.

Learn how to turn financial ratios into practical credit insights on profitability, liquidity, leverage, efficiency and debt servicing capacity.

Learn how to set, interpret and monitor financial covenants to manage credit risk, identify early warning signs and protect the lender’s position.

Develop the skills to structure repayment arrangements that align with a client’s cash flow profile, repayment capacity and credit risk.

Learn how to match loan products to client funding needs, cash flow profile and strategic objectives while managing credit risk.

Apply financial and non-financial indicators to assess Probability of Default (PD) and support risk-aligned credit recommendations.

Understand how security instruments protect the lender’s position, reduce credit risk and provide a secondary source of repayment if a client defaults.

Learn how to assess how much the lender could lose if a client defaults by evaluating collateral value, recovery assumptions and realisation risk.

Develop the skills to review loan documentation, interpret key clauses and assess legal, structural and credit risk implications.

Identify early warning indicators and respond with proactive risk management strategies that protect the lender’s position.

Bring everything together in a final credit paper that demonstrates your financial analysis, forecast modelling, credit risk assessment, loan structuring and commercial judgement.