Credit Analysis and Risk Modeling

About this course

Build job-ready skills in credit analysis, financial modeling, credit ratings, and real estate finance. Learn how banks, credit rating agencies, and financial institutions evaluate borrower risk and repayment capacity. This Specialization helps you develop practical expertise in analyzing companies, real estate projects, and financial risk using structured credit frameworks. You will learn how to interpret financial statements, assess profitability, liquidity, leverage, working capital, and coverage ratios, and evaluate a company’s ability to meet debt obligations. You will also explore credit rating methodologies, rating symbols, investment grade ratings, project finance, public finance, and qualitative risk factors such as management quality and business strength. Through real estate finance modules, you will analyze rent rolls, lease rental discounting models, DSCR, construction costs, sales projections, and project funding requirements. The Specialization also covers credit risk modeling techniques such as Altman Z-Score and KMV model, along with financial statement forecasting, debt schedules, interest calculations, and linked financial models. By the end, you will be able to assess creditworthiness, interpret credit ratings, analyze financial risk, and support lending, investment, and risk management decisions with confidence.

Course objectives

• develop job-ready skills in credit analysis
• understand the evaluation processes used by financial institutions
• support lending and investment decisions confidently