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FINANCE ACCOUNTING   

Commercial Credit and Risk Analysis Training

Advanced Commercial Credit & Risk Analysis Training Program

Build practical skills in commercial credit analysis, financial risk assessment, creditworthiness evaluation, and loan decision-making. Learn through real-world case studies and hands-on exercises to develop career-ready commercial credit and risk analysis expertise.

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Course Overview
  

Course Overview

Commercial credit decisions play a critical role in maintaining the financial health of lending institutions while supporting business growth. Credit professionals must evaluate borrower creditworthiness, analyze financial statements, assess industry and operational risks, structure appropriate lending solutions, and monitor credit exposure throughout the loan lifecycle. With evolving regulatory requirements and increasing market uncertainty, organizations require professionals who can combine financial analysis with sound commercial credit judgment.

The Commercial Credit and Risk Analysis Training by myTectra is a comprehensive instructor-led program designed to equip participants with practical knowledge of commercial lending principles, credit risk assessment, financial statement analysis, business risk evaluation, cash flow analysis, loan structuring, portfolio monitoring, and regulatory compliance. Participants will also gain hands-on experience using Microsoft Excel to perform credit analysis, financial modeling, risk reporting, and loan evaluation.

Through interactive workshops, commercial lending case studies, financial analysis exercises, credit approval simulations, Excel-based modeling, AI-assisted credit analytics demonstrations, and a comprehensive capstone project, participants will develop the skills needed to make informed lending decisions, minimize credit risk, and support effective commercial banking operations.

Course Objectives

Upon successful completion of this training, participants will be able to:

  • Understand commercial lending principles and the credit approval lifecycle.
  • Analyze financial statements to assess borrower creditworthiness.
  • Evaluate business, operational, and industry-specific risks.
  • Perform ratio analysis, liquidity assessment, and cash flow evaluation.
  • Build financial projections and assess repayment capacity.
  • Structure commercial loans using appropriate collateral and covenants.
  • Apply credit risk rating methodologies and lending best practices.
  • Monitor loan portfolios and identify early warning indicators.
  • Utilize Microsoft Excel for commercial credit analysis and reporting.
  • Support informed lending decisions using data-driven credit analysis.

Prerequisites

Recommended:

  • Basic understanding of accounting and finance principles
  • Familiarity with financial statements
  • Basic Microsoft Excel knowledge
  • Interest in commercial banking, lending, or credit risk management

No prior commercial credit analysis experience is required.

Target Audience

This course is ideal for:

  • Commercial Credit Analysts
  • Credit Risk Analysts
  • Commercial Bankers
  • Loan Officers
  • Relationship Managers
  • Corporate Banking Professionals
  • Credit Managers
  • Financial Analysts
  • Risk Management Professionals
  • Internal Auditors
  • Finance Managers
  • Business Analysts
  • MBA Finance Students
  • Commerce Graduates
  • Professionals seeking careers in commercial lending and credit analysis

Training Methodology

  • Instructor-Led Interactive Sessions
  • Hands-on Commercial Credit Analysis Workshops
  • Microsoft Excel Practical Labs
  • Real-World Commercial Banking Case Studies
  • Financial Statement Analysis Exercises
  • Credit Committee Simulation Activities
  • AI-Assisted Credit Analytics Demonstrations
  • Group Discussions and Knowledge Sharing
  • Capstone Project with Practical Assessments
  • Interactive Question-and-Answer Sessions

Tools Covered

  • Microsoft Excel
  • Financial Statement Analysis Templates
  • Credit Risk Assessment Models
  • Financial Ratio Analysis Worksheets
  • Cash Flow Forecasting Models
  • Loan Amortization Templates
  • PivotTables and PivotCharts
  • Credit Risk Dashboards
  • Scenario and Sensitivity Analysis Tools
  • AI-Assisted Credit Analytics Tools

Key Benefits

  • Master commercial lending principles used in modern banking operations.
  • Analyze borrower financial health using structured credit techniques.
  • Build Excel models for accurate commercial credit risk assessments.
  • Improve lending decisions through ratio and cash flow analysis skills.
  • Evaluate business risks using industry-standard credit frameworks.
  • Structure commercial loans with effective collateral and covenant plans.
  • Monitor credit portfolios using early warning indicators and dashboards.
  • Apply AI-assisted analytics to strengthen commercial credit evaluation.
  • Gain practical experience through realistic commercial lending scenarios.
  • Prepare for commercial banking, credit analysis, and risk management roles.
  

Course Outcomes

After completing this course, participants will be able to:

Borrower financial statements to assess creditworthiness.
Borrower financial statements to assess creditworthiness.
Evaluate risks using commercial lending frameworks.
Evaluate risks using commercial lending frameworks.
Perform ratio analysis & cash flow for lending decisions.
Perform ratio analysis & cash flow for lending decisions.
Financial projections supporting accurate credit evaluations.
Financial projections supporting accurate credit evaluations.
Commercial loans with collateral and covenant terms.
Commercial loans with collateral and covenant terms.
Credit risk rating methods to strengthen lending decisions.
Credit risk rating methods to strengthen lending decisions.
Monitor loan portfolios using early warning indicators.
Monitor loan portfolios using early warning indicators.
Create Excel-based credit models and risk dashboards.
Create Excel-based credit models and risk dashboards.
Regulatory compliance through sound credit governance.
Regulatory compliance through sound credit governance.
Commercial lending recommendations using insights.
Commercial lending recommendations using insights.
  

Course Outline

Module 1: Introduction to Commercial Credit and Lending

Topics Covered

  • Introduction to Commercial Banking
  • Principles of Commercial Lending
  • Commercial Credit Lifecycle
  • Types of Commercial Loans
  • Credit Risk Fundamentals
  • Credit Policies and Governance
  • Lending Ethics
  • Roles and Responsibilities of Credit Analysts
  • Commercial Lending Best Practices
  • Industry Trends and Challenges

Practical Workshops

  • Review commercial lending scenarios
  • Understand loan approval workflows
  • Identify borrower requirements
  • Analyze lending policies
Module 2: Accounting Fundamentals for Credit Analysis

Topics Covered

  • Financial Accounting Principles
  • Income Statement Analysis
  • Balance Sheet Analysis
  • Cash Flow Statement Fundamentals
  • Revenue Recognition
  • Expense Recognition
  • Assets and Liabilities
  • Equity Analysis
  • Accounting Adjustments
  • Financial Reporting Standards

Practical Workshops

Analyze:

  • Financial statements
  • Accounting treatments
  • Business performance
  • Financial reporting quality
Module 3: Financial Statement Analysis for Credit Evaluation

Topics Covered

  • Horizontal Analysis
  • Vertical Analysis
  • Common-Size Financial Statements
  • Trend Analysis
  • Earnings Quality Assessment
  • Profitability Evaluation
  • Working Capital Analysis
  • Cash Flow Interpretation
  • Financial Health Assessment
  • Borrower Credit Evaluation

Practical Workshops

Prepare:

  • Financial analysis reports
  • Borrower assessment summaries
  • Performance reviews
  • Credit evaluation reports
Module 4: Business Risk Analysis

Topics Covered

  • Industry Risk Assessment
  • Market Risk Analysis
  • Competitive Position Analysis
  • Business Model Evaluation
  • Operational Risk Assessment
  • Supply Chain Risk
  • Management Quality Evaluation
  • ESG Considerations
  • Macroeconomic Risk Factors
  • Business Sustainability Assessment

Practical Workshops

Evaluate:

  • Business risks
  • Industry outlook
  • Competitive positioning
  • Risk mitigation opportunities
Module 5: Financial Risk Analysis

Topics Covered

  • Financial Risk Framework
  • Liquidity Risk Analysis
  • Solvency Risk Assessment
  • Profitability Risk
  • Leverage Analysis
  • Capital Structure Evaluation
  • Debt Servicing Capacity
  • Earnings Stability
  • Financial Flexibility
  • Creditworthiness Assessment

Practical Workshops

Assess:

  • Financial risks
  • Capital adequacy
  • Debt servicing capability
  • Borrower financial strength
Module 6: Ratio Analysis and Cash Flow Analysis

Topics Covered

  • Liquidity Ratios
  • Profitability Ratios
  • Efficiency Ratios
  • Solvency Ratios
  • Operating Cash Flow Analysis
  • Free Cash Flow
  • Cash Conversion Cycle
  • Debt Service Coverage Ratio (DSCR)
  • Interest Coverage Ratio
  • Financial Ratio Benchmarking

Practical Workshops

Develop:

  • Ratio analysis reports
  • Cash flow models
  • Liquidity assessments
  • Credit recommendation reports
Module 7: Financial Projections and Credit Modeling

Topics Covered

  • Financial Forecasting Principles
  • Revenue Projections
  • Expense Forecasting
  • Cash Flow Forecasting
  • Working Capital Forecasting
  • Scenario Analysis
  • Sensitivity Analysis
  • Credit Modeling
  • Repayment Capacity Assessment
  • Financial Projection Validation

Practical Workshops

Create:

  • Financial projection models
  • Cash flow forecasts
  • Credit risk models
  • Repayment capacity reports
Module 8: Loan Structuring and Collateral Analysis

Topics Covered

  • Commercial Loan Structuring
  • Loan Pricing Fundamentals
  • Security and Collateral Types
  • Collateral Valuation
  • Loan Covenants
  • Guarantees and Credit Enhancements
  • Credit Documentation
  • Facility Structuring
  • Risk Mitigation Strategies
  • Credit Approval Process

Practical Workshops

Prepare:

  • Loan structures
  • Collateral assessments
  • Credit approval notes
  • Lending recommendations
Module 9: Credit Risk Rating and Lending Decision-Making

Topics Covered

  • Credit Risk Rating Methodologies
  • Internal Credit Rating Systems
  • Probability of Default (PD)
  • Loss Given Default (LGD)
  • Exposure at Default (EAD)
  • Credit Scoring Models
  • Risk-Based Loan Pricing
  • Credit Approval Committees
  • Lending Decision Frameworks
  • Credit Policy Compliance

Practical Workshops

Develop:

  • Credit scorecards
  • Internal risk rating reports
  • Lending recommendations
  • Credit approval summaries
Module 10: Commercial Loan Portfolio Management

Topics Covered

  • Credit Portfolio Management
  • Portfolio Diversification
  • Sector Exposure Analysis
  • Concentration Risk
  • Credit Risk Limits
  • Portfolio Monitoring
  • Stress Testing
  • Portfolio Performance Measurement
  • Portfolio Optimization
  • Credit Portfolio Reporting

Practical Workshops

Analyze:

  • Portfolio concentration
  • Sector exposure
  • Portfolio performance
  • Credit monitoring reports
Module 11: Problem Loan Management and Credit Monitoring

Topics Covered

  • Credit Monitoring Framework
  • Early Warning Indicators
  • Loan Review Process
  • Watch List Management
  • Non-Performing Assets (NPA)
  • Loan Restructuring
  • Recovery Strategies
  • Delinquency Management
  • Credit Remediation
  • Portfolio Review Best Practices

Practical Workshops

Perform:

  • Loan monitoring
  • Early warning analysis
  • Credit review exercises
  • Recovery planning
Module 12: Regulatory Compliance and Basel Framework

Topics Covered

  • Banking Regulatory Environment
  • Basel Framework Overview
  • Capital Adequacy Principles
  • Regulatory Reporting
  • Credit Risk Governance
  • Compliance Monitoring
  • Internal Controls
  • Audit Readiness
  • Risk Management Standards
  • Industry Best Practices

Practical Workshops

Prepare:

  • Compliance reports
  • Internal control assessments
  • Regulatory review documents
  • Audit preparation checklists
Module 13: Microsoft Excel for Commercial Credit Analysis

Topics Covered

  • Excel for Financial Analysis
  • Credit Modeling Templates
  • Financial Ratio Calculations
  • Cash Flow Modeling
  • Loan Amortization Models
  • PivotTables and PivotCharts
  • Conditional Formatting
  • Credit Dashboards
  • Scenario Analysis
  • Executive Reporting

Practical Workshops

Create:

  • Credit analysis workbooks
  • Loan evaluation models
  • Risk dashboards
  • Financial reports
Module 14: AI and Data Analytics in Credit Risk Management

Topics Covered

  • AI in Commercial Banking
  • Predictive Credit Analytics
  • Machine Learning for Credit Risk
  • Automated Credit Scoring
  • Fraud Detection in Lending
  • Intelligent Credit Monitoring
  • Early Warning Prediction Models
  • Data-Driven Credit Decisions
  • Ethical AI in Banking
  • Emerging Trends in Credit Analytics

Practical Workshops

Develop:

  • Predictive credit models
  • AI-assisted risk assessments
  • Automated monitoring reports
  • Credit analytics dashboards
Module 15: Real-World Commercial Lending Case Studies

Topics Covered

  • SME Lending Case Studies
  • Corporate Lending Evaluation
  • Working Capital Financing
  • Project Finance Assessment
  • Manufacturing Industry Credit Analysis
  • Service Industry Credit Evaluation
  • Distressed Borrower Analysis
  • Credit Committee Simulations
  • Lending Best Practices
  • Lessons Learned from Commercial Banking

Practical Workshops

Evaluate:

  • Commercial loan proposals
  • Industry-specific credit risks
  • Borrower repayment capability
  • Lending decisions using real business cases
Module 16: Capstone Project – Commercial Credit Assessment and Risk Evaluation

Comprehensive Industry Project

Participants will:

  • Analyze borrower financial statements to evaluate business performance.
  • Assess business, operational, financial, and industry-specific risks.
  • Perform ratio analysis, liquidity assessment, and cash flow evaluation.
  • Build financial projections and repayment capacity models using Excel.
  • Structure commercial loan proposals with suitable collateral and covenants.
  • Apply internal credit risk rating methodologies for borrower assessment.
  • Monitor commercial loan portfolios and identify early warning indicators.
  • Develop executive dashboards for credit analysis and portfolio reporting.
  • Utilize AI-assisted techniques to enhance credit risk evaluation.
  • Present a complete commercial credit assessment and lending recommendation to a simulated credit committee.

Join the Course Now!
  

Clients Testimonials

Hear what our learners say about myTectra!

This training helped me connect accounting concepts with practical lending decisions. The sessions on financial statement analysis, cash flow evaluation, and credit risk assessment were especially useful because they reflected situations I encountered while reviewing commercial loan proposals. The practical exercises made the learning experience much more effective than traditional classroom sessions.
Sanjai Rao
Commercial Credit Analyst
Evaluating a borrower's financial strength requires more than calculating ratios, and this course explained that exceptionally well. The modules on business risk, collateral assessment, loan structuring, and credit monitoring provided a complete understanding of the commercial lending process. I now approach client credit discussions with much greater confidence.
Gangadharan M
Relationship Manager, Corporate Banking
The case studies and Excel-based credit analysis workshops were the highlights of this program. Every exercise felt relevant to real commercial banking operations, and I appreciated the structured approach to financial projections and lending recommendations. myTectra has created a course that balances technical concepts with practical application.
Srinika Jeevan
Assistant Credit Manager
I joined this program to strengthen my commercial credit assessment skills, and it delivered exactly what I was looking for. The trainers explained complex topics like credit risk rating, portfolio monitoring, and repayment capacity analysis in a simple and practical manner. The knowledge I gained has already helped me improve the quality of my credit review reports and risk evaluations.
Varshini K
Senior Risk Officer

Why Choose Us?

Discover key features that set our training apart.

Expert-Led Training

Learn from certified instructors with real-world industry experience.

Hands-On Learning

Practical assignments and projects to build job-ready skills.

Globally Recognized Certificate

Earn a professional certificate to boost your career opportunities.

FAQ's

What is the duration of this course?

The total course duration is 40 hours delivered via instructor-led sessions and practical labs.

Will I get placement assistance?

myTectra is providing 100% placement assistance on our key courses. We help you with the career counselling, Exams on Key courses, Mock Interviews and Technical Interviews Tips.

Landing an interview proves that you have the job-specific skills for the position, but how do your interview skills stack up? Also, Soft skills are often the most important factor in showing you're the best candidate for the job.

Hence we are conducting FREE TRAINING on Soft-Skills worth Rs-25, 000 to all myTectra students which will help you to attend the interviews with more confidence.

What if I miss a class?

You will never miss a lecture at myTectra. You can choose either of the two options:

Classroom Training:

  • If you miss one or few classes we can give a backup class based on trainer and your convenient time. 
  • In case if you miss many classes, we can reschedule your class with upcoming batches or other running batches based on how many courses topics you have completed so far.

Live-Online Training:

  • View the recorded session of the class available in your LMS.
  • You can attend the missed session, in any other live batch.
Can I attend a demo session before enrollment?

Yes. We arrange a free demo for all the courses either in the Classroom or Live-Online demo. Please fill the demo request form below to schedule a free demo.

What if I have more queries?

Just give us a CALL at +918047112411 OR email at support@mytectra.com

What are the payment options?

Payments can be made using any of the following options and a receipt of the same will be issued to you automatically via email for both classroom training and Online training.

  • Visa Debit/Credit Card
  • American Express and Diners Club Card
  • Master Card
  • PayPal
  • Net Banking/Wire Transfer
  • UPI Payment such as Google Pay, PhonePe, Paytm
  • Cash/Cheque/DD ( Not for Online Training )
Where do the classes take place?

For Individual: 

Classroom Training - Bangalore

Live-Online Training - Globally 

For Corporates: 

Classroom Training - We deliver classroom training for corporate in more than 20 countries. Send us an Enquiry Now!

Online Training - Globally

* All of the classes are conducted live online. They are interactive sessions that enable you to ask questions and participate in discussions during class time. We do, however, provide recordings of each session you attend for your future reference.

Who are the Trainers?

Our Trainer’s are chosen not only for their knowledge and expertise but also for their real-time experience in the respective courses.

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Advance Your Commercial Credit & Risk Analysis Skills

Learn commercial credit analysis, credit risk assessment, financial statement evaluation, and practical commercial lending skills.