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FINANCE ACCOUNTING   

Credit Analyst Training

Hands-on Credit Analyst Masterclass

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

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Course Overview
  

Course Overview

Credit analysts play a vital role in helping financial institutions, banks, NBFCs, fintech companies, and corporate lenders make informed lending decisions by evaluating borrowers' financial health, creditworthiness, repayment capacity, and overall risk profile. In today's dynamic financial environment, organizations require professionals who can combine financial statement analysis, business risk assessment, credit risk evaluation, and data-driven decision-making to minimize lending risk and maximize portfolio quality.

The Credit Analyst Training by myTectra is a comprehensive instructor-led program designed to equip participants with practical expertise in credit analysis, corporate lending, financial statement analysis, business and financial risk assessment, working capital evaluation, cash flow analysis, credit scoring, loan structuring, collateral assessment, regulatory compliance, and modern credit risk management practices. Participants will also gain hands-on experience using Microsoft Excel for financial modeling, ratio analysis, credit scoring, portfolio analysis, and credit reporting.

Through interactive workshops, real-world lending scenarios, financial statement analysis exercises, Excel-based credit models, AI-powered credit analytics demonstrations, and a comprehensive capstone project, participants will develop the practical skills required to assess borrower creditworthiness, recommend lending decisions, manage credit risk, and support commercial lending operations with confidence.

Course Objectives

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

  • Understand credit analysis principles and the end-to-end lending process.
  • Evaluate business models, industries, and management quality.
  • Analyze financial statements using ratio and cash flow analysis techniques.
  • Assess business, financial, and credit risks using structured frameworks.
  • Quantify credit risk through credit scoring and risk modeling techniques.
  • Structure lending facilities based on borrower requirements and risk.
  • Evaluate collateral, loan covenants, and repayment capacity.
  • Utilize Microsoft Excel for credit analysis and financial modeling.
  • Explore AI and fintech applications in modern credit assessment.
  • Prepare professional credit appraisal reports and lending recommendations.

Prerequisites

Recommended:

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

No prior experience in credit analysis is required.

Target Audience

This course is ideal for:

  • Credit Analysts
  • Corporate Banking Professionals
  • Commercial Banking Executives
  • Relationship Managers
  • Loan Officers
  • Credit Risk Analysts
  • Financial Analysts
  • Corporate Finance Professionals
  • Risk Management Professionals
  • Investment Banking Analysts
  • NBFC Professionals
  • FinTech Lending Professionals
  • MBA Finance Students
  • Commerce Graduates
  • CA, CFA, FRM, and CMA Aspirants

Training Methodology

  • Instructor-Led Interactive Sessions
  • Hands-on Credit Analysis Workshops
  • Financial Statement Analysis Exercises
  • Microsoft Excel Practical Labs
  • Corporate Lending Case Studies
  • Loan Appraisal Simulations
  • AI and FinTech Demonstrations
  • Group Discussions and Peer Learning
  • Capstone Project with Practical Evaluation
  • Interactive Question-and-Answer Sessions

Tools Covered

  • Microsoft Excel
  • Financial Statement Analysis Templates
  • Credit Scoring Models
  • Ratio Analysis Worksheets
  • Cash Flow Forecasting Templates
  • Loan Amortization Models
  • PivotTables and PivotCharts
  • Credit Dashboard Templates
  • AI-Powered Credit Analytics Tools
  • Credit Appraisal and Risk Assessment Frameworks

Key Benefits

  • Build expertise in credit analysis and commercial lending practices.
  • Master financial statement analysis for effective credit decisions.
  • Learn structured business and financial risk assessment techniques.
  • Develop practical skills in loan appraisal and credit structuring.
  • Apply credit scoring models to evaluate borrower creditworthiness.
  • Gain hands-on experience with Excel-based credit analysis tools.
  • Explore AI and fintech innovations transforming credit assessment.
  • Strengthen portfolio monitoring and early warning risk detection.
  • Practice real-world lending scenarios through industry case studies.
  • Prepare for careers in banking, lending, and credit risk management.
  

Course Outcomes

After completing this course, participants will be able to:

Understand end-to-end credit analysis & lending processes.
Understand end-to-end credit analysis & lending processes.
Evaluate business & financial risks using credit frameworks.
Evaluate business & financial risks using credit frameworks.
Analyze financial statements for lending decisions.
Analyze financial statements for lending decisions.
Borrower creditworthiness with standard methodologies.
Borrower creditworthiness with standard methodologies.
Apply credit scoring and risk quantification techniques.
Apply credit scoring and risk quantification techniques.
Structure loans aligned with borrower needs.
Structure loans aligned with borrower needs.
Utilize Excel for financial modeling and credit analysis.
Utilize Excel for financial modeling and credit analysis.
Leverage AI and FinTech tools for credit risk assessment.
Leverage AI and FinTech tools for credit risk assessment.
Monitor credit portfolios & identify early warning indicators.
Monitor credit portfolios & identify early warning indicators.
Practical expertise for banking & credit analysis careers.
Practical expertise for banking & credit analysis careers.
  

Course Outline

Module 1: Introduction to Credit Analysis and Lending

Topics Covered

  • Course Introduction
  • Introduction to Credit Analyst Roles
  • Banking and Lending Fundamentals
  • Credit Lifecycle
  • Types of Credit Facilities
  • Principles of Lending
  • Credit Risk Fundamentals
  • Credit Analysis Framework
  • Roles and Responsibilities of Credit Analysts
  • Career Opportunities in Credit Analysis

Practical Workshops

  • Understand the lending lifecycle
  • Analyze credit approval workflows
  • Explore credit analyst responsibilities
  • Review lending case studies
Module 2: Company Overview and Business Analysis

Topics Covered

  • Company Overview Analysis
  • Business Model Evaluation
  • Industry Analysis
  • Competitive Positioning
  • Market Dynamics
  • Business Strategy Assessment
  • Corporate Governance
  • Management Quality Evaluation
  • SWOT Analysis
  • Business Risk Identification

Practical Workshops

Evaluate:

  • Company profiles
  • Industry outlook
  • Business performance
  • Management effectiveness
Module 3: Financial Statement Analysis

Topics Covered

  • Income Statement Analysis
  • Balance Sheet Analysis
  • Cash Flow Statement Analysis
  • Common Size Statements
  • Trend Analysis
  • Financial Ratio Analysis
  • Profitability Analysis
  • Liquidity Analysis
  • Solvency Analysis
  • Working Capital Analysis

Practical Workshops

Analyze:

  • Financial statements
  • Ratio calculations
  • Company financial health
  • Financial performance trends
Module 4: Business Risk Assessment

Topics Covered

  • Business Risk Framework
  • Industry Risk
  • Market Risk
  • Operational Risk
  • Management Risk
  • Regulatory Risk
  • Economic Risk
  • ESG Risk Considerations
  • Risk Mitigation Strategies
  • Business Risk Reporting

Practical Workshops

Assess:

  • Business risks
  • Industry challenges
  • Operational risks
  • Risk mitigation plans
Module 5: Financial Risk Assessment

Topics Covered

  • Financial Risk Framework
  • Cash Flow Analysis
  • Debt Service Capacity
  • Liquidity Assessment
  • Leverage Analysis
  • Profitability Assessment
  • Earnings Quality
  • Financial Stress Indicators
  • Forecast Analysis
  • Financial Risk Reporting

Practical Workshops

Evaluate:

  • Cash flows
  • Debt repayment capacity
  • Financial stability
  • Credit risk indicators
Module 6: Credit Risk Assessment

Topics Covered

  • Borrower Creditworthiness
  • Probability of Default
  • Loss Given Default
  • Exposure at Default
  • Credit Rating Methodologies
  • Internal Credit Rating Models
  • External Credit Ratings
  • Credit Decision Framework
  • Credit Risk Documentation
  • Lending Recommendations

Practical Workshops

Perform:

  • Credit evaluations
  • Borrower assessments
  • Credit rating analysis
  • Lending recommendations
Module 7: Quantifying Credit Risk and Credit Decision-Making

Topics Covered

  • Credit Risk Quantification
  • Credit Scoring Models
  • Expected Loss Estimation
  • Stress Testing
  • Scenario Analysis
  • Credit Pricing
  • Loan Structuring
  • Credit Approval Process
  • Credit Recommendation Reports
  • Credit Portfolio Considerations

Practical Workshops

Develop:

  • Credit scoring models
  • Risk assessment reports
  • Lending proposals
  • Credit approval notes
Module 8: Working Capital and Cash Flow Analysis

Topics Covered

  • Working Capital Assessment
  • Operating Cycle Analysis
  • Cash Conversion Cycle
  • Fund Flow Analysis
  • Cash Flow Forecasting
  • Receivables Analysis
  • Inventory Analysis
  • Payables Management
  • Liquidity Planning
  • Credit Monitoring

Practical Workshops

Analyze:

  • Working capital requirements
  • Cash flow forecasts
  • Liquidity position
  • Credit monitoring reports
Module 9: Loan Structuring and Collateral Evaluation

Topics Covered

  • Loan Structuring Principles
  • Term Loans and Working Capital Facilities
  • Fund-Based and Non-Fund-Based Credit
  • Security and Collateral Evaluation
  • Asset-Based Lending
  • Guarantees and Credit Enhancements
  • Loan Covenants
  • Credit Documentation
  • Facility Structuring
  • Credit Terms and Conditions

Practical Workshops

Develop:

  • Loan structures
  • Collateral assessment reports
  • Covenant frameworks
  • Credit documentation checklists
Module 10: Commercial and Corporate Credit Analysis

Topics Covered

  • Commercial Lending Fundamentals
  • Corporate Credit Appraisal
  • SME Credit Analysis
  • Retail Credit Overview
  • Project Finance Basics
  • Trade Finance Fundamentals
  • Industry-Specific Credit Assessment
  • Credit Exposure Analysis
  • Syndicated Lending Overview
  • Credit Portfolio Diversification

Practical Workshops

Analyze:

  • Corporate lending proposals
  • SME financing cases
  • Trade finance scenarios
  • Credit exposure reports
Module 11: Credit Monitoring and Problem Loan Management

Topics Covered

  • Post-Sanction Credit Monitoring
  • Early Warning Signals (EWS)
  • Covenant Compliance Monitoring
  • Loan Review Process
  • Credit Portfolio Monitoring
  • Loan Restructuring Strategies
  • Non-Performing Assets (NPA)
  • Recovery and Resolution Strategies
  • Credit Review Reports
  • Continuous Credit Improvement

Practical Workshops

Prepare:

  • Credit monitoring reports
  • Early warning assessments
  • Portfolio reviews
  • Loan restructuring recommendations
Module 12: Microsoft Excel for Credit Analysis

Topics Covered

  • Excel for Financial Analysis
  • Financial Ratio Models
  • Cash Flow Modeling
  • Credit Scoring Templates
  • Loan Amortization Models
  • PivotTables and PivotCharts
  • What-If and Scenario Analysis
  • Stress Testing Models
  • Credit Dashboards
  • Automated Credit Reports

Practical Workshops

Build:

  • Credit scorecards
  • Financial models
  • Credit dashboards
  • Loan analysis reports
Module 13: AI and FinTech in Credit Analytics

Topics Covered

  • Artificial Intelligence in Credit Analysis
  • Machine Learning for Credit Scoring
  • Predictive Credit Risk Analytics
  • Alternative Credit Data
  • Digital Lending Platforms
  • Automated Underwriting
  • FinTech Credit Assessment
  • Robotic Process Automation (RPA)
  • Ethical AI in Lending
  • Future of Credit Risk Management

Practical Workshops

Explore:

  • AI-driven credit assessments
  • Predictive risk models
  • Digital lending workflows
  • Automated underwriting concepts
Module 14: Regulatory Compliance and Credit Governance

Topics Covered

  • Banking Regulations
  • Basel Framework Overview
  • Credit Policies and Procedures
  • Regulatory Compliance
  • KYC and AML Fundamentals
  • Internal Controls
  • Credit Governance
  • Audit and Compliance Reviews
  • Documentation Standards
  • Industry Best Practices

Practical Workshops

Evaluate:

  • Compliance checklists
  • Credit governance frameworks
  • Regulatory requirements
  • Credit audit reports
Module 15: Real-World Credit Analysis Case Studies

Topics Covered

  • Manufacturing Company Credit Analysis
  • Service Industry Credit Evaluation
  • Retail Business Lending Cases
  • SME Credit Appraisal
  • Corporate Borrower Assessment
  • Credit Restructuring Scenarios
  • High-Risk Borrower Evaluation
  • Credit Portfolio Reviews
  • Lessons Learned from Lending Decisions
  • Industry Best Practices

Practical Workshops

Assess:

  • Corporate financial statements
  • Lending proposals
  • Credit risk scenarios
  • Portfolio quality reviews
Module 16: Capstone Project – End-to-End Credit Analysis and Lending Decision

Comprehensive Industry Project

Participants will:

  • Analyze a company's business model, industry position, and management quality.
  • Evaluate financial statements using ratio, trend, and cash flow analysis.
  • Assess business, financial, and credit risks using structured credit frameworks.
  • Calculate liquidity, leverage, profitability, debt servicing capacity, and working capital requirements.
  • Quantify credit risk using credit scoring, probability of default, and stress-testing techniques.
  • Structure appropriate loan facilities, collateral, guarantees, and lending covenants.
  • Develop Microsoft Excel-based financial models, credit scorecards, dashboards, and lending reports.
  • Apply AI-powered credit analytics and predictive risk assessment techniques.
  • Prepare a professional credit appraisal report with lending recommendations.
  • Present a complete credit approval proposal based on a real-world corporate lending scenario.

Join the Course Now!
  

Clients Testimonials

Hear what our learners say about myTectra!

The course gave me a practical understanding of how credit decisions are made in banks and financial institutions. The sessions on financial statement analysis, credit appraisal, cash flow assessment, and loan structuring were detailed and easy to follow. The case studies made the concepts much easier to apply in my day-to-day work.
Shashi Verma
Credit Risk Analyst
I was looking for a program that focused on real credit analysis rather than just theory, and this training delivered exactly that. The modules on business risk assessment, credit scoring, working capital analysis, and borrower evaluation have helped me approach loan proposals with much more confidence. The trainers shared several practical insights from industry experience.
Blessy Thomas
Relationship Manager, Corporate Banking
Every session was well structured and relevant to current lending practices. I especially appreciated the hands-on Excel exercises, financial ratio analysis, and end-to-end credit appraisal framework. The program strengthened my ability to identify risks early and prepare comprehensive credit recommendations. myTectra has developed a course that is highly valuable for banking professionals.
Greeshma Pillai
Senior Credit Underwriter
The training helped me connect accounting concepts with real-world credit evaluation. Learning how to analyze company performance, assess repayment capacity, evaluate collateral, and quantify credit risk has significantly improved my analytical skills. The practical assignments and interactive discussions made the learning experience engaging and immediately useful.
Neeraj Arneja
Financial Analyst

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 Credit Analysis Skills with Expert Training

Develop expertise in credit analysis, financial statement evaluation, borrower assessment, and credit risk management through practical learning.