Credit Risk Modeling & Cash Flow Analysis Mastery
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Understanding credit risk analysis is essential for financial decision-makers, analysts, and investors. This course, Credit Risk Modeling & Cash Flow Analysis Mastery, is designed to equip learners with the tools, techniques, and frameworks used in credit risk model development by leading financial institutions, rating agencies, and investment firms.
Throughout the course, you will build practical expertise in credit modelling, credit evaluation, and financial and credit risk analysis. You will begin with a deep dive into credit analysis models, focusing on financial ratios such as liquidity, leverage, and profitability, and how these metrics inform a company’s creditworthiness within a structured credit assessment model.
You will then perform advanced cash flow analysis using techniques such as EBITDA coverage, free cash flow modelling, and scenario analysis - key components in credit risk analysis and management. These skills are essential for understanding how to do a credit analysis of a company and evaluating its ability to service debt.
The course then advances into modelling credit risk, where you will learn how credit risk models work. You will estimate the probability of default (PD), calculate expected loss, and apply credit scoring models examples using Excel-based credit risk analysis tools. Through hands-on exercises and credit risk modelling projects, you will gain experience in both structural and reduced-form credit risk models used in corporate credit risk analysis.
This course also introduces key concepts in financial risk management and broader risk management, helping you understand the role of credit impact analysis and decision-making in real-world financial environments.
By the end of the course, you will be equipped to apply credit modelling techniques, use credit risk assessment tools, and perform comprehensive credit analysis processes to make informed, data-driven credit decisions.
Basic knowledge of financial statements (income statement, balance sheet, cash flow), spreadsheet proficiency (Excel or Google Sheets), and a general understanding of corporate finance are recommended. No prior experience in credit modeling or credit risk modeling is required.
Execute comprehensive ratio analysis for credit modeling and credit evaluation, using industry-standard metrics
Perform advanced cash flow analysis to support credit risk analysis and assess debt servicing capabilities within the credit analysis process
Calculate probability of default and expected loss using quantitative approaches in modeling credit risk, supported by credit scoring models examples
Apply structural and reduced-form credit risk models to support investment decision-making
Understand what is credit modeling and how credit risk models work within financial risk management and corporate credit risk analysis frameworks
Build practical expertise using credit analysis models, credit risk assessment tools, and industry-relevant methodologies for credit model development
This course is designed for finance professionals, credit analysts, and advanced business students seeking to build expertise in credit modeling, credit risk analysis, and financial risk management. It is particularly relevant for those pursuing roles in banking, investment analysis, and risk management.
