What you will learn

• Analyze credit risk using Probability of Default (PD), Loss Given Default (LGD), Expected Loss (EL), and structural credit models.

• Apply Altman Z-score and credit evaluation metrics to assess bankruptcy risk and corporate creditworthiness.

• Evaluate borrower risk using working capital analysis, unhedged foreign currency exposure (UFCE), and financial statements.

• Construct internal credit ratings and justify lending decisions using institutional rating practices and lender "ways out" strategies.