Credit Risk Modeling & Cash Flow Analysis Mastery

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.