Credit Analysis

Semester
ECTS credits
5 ECTS

Goal

The course 'Credit Analysis' should enable participants to acquire knowledge in the area of banking operations related to assessing the creditworthiness of clients applying for a loan. Through this course, participants will learn how banks and other credit institutions evaluate loan applications, i.e., how they make decisions on approving or rejecting a loan application. The goal is to go through the process of creditworthiness assessment, the key issues in evaluating applications, the basic steps for making a founded business credit decision, and the factors influencing credit risk.

Additional info

The course content is divided into 7 thematic units:

  1. The credit process, credit risk
  2. Key issues in evaluating loan applications
  3. Financial and non-financial aspects of credit analysis
  4. Financial analysis of corporate loan applications
  5. Risk assessment models
  6. Risks in banks, Basel 3, decision on the adequacy of the guarantee capital of credit institutions
  7. Preparation of a project assignment
There are no listed course associates.
Lectures: 20
Seminars: /
Exercises: /
  1. Analyse the credit process and the client's (retail, corporate) loan application.
  2. Asess the riskiness of the client (retail, corporate)
  3. Analyse the financial statements of the company
  4. Prepare a report based on the risk analysis
  5. Evaluate the creditworthiness of the client (retail, corporate)
Merlin e-learning system
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