Master banking, credit analysis, credit ratings, and loan risk management through practical, job-relevant learning.
Build the financial and operational skills needed to evaluate borrowers, assess creditworthiness, and manage lending decisions.
This Specialization develops an end-to-end understanding of commercial banking, credit management, credit research, risk assessment, and bank loan operations. You will examine banking products, deposit and lending functions, regulatory concepts, loan appraisal, working capital finance, retail lending, SME finance, non-performing assets, and recovery processes.
You will learn to analyze financial statements, cash flows, ratios, repayment capacity, and borrower strength. The Specialization also covers internal and external credit ratings, credit research frameworks, the Altman Z-Score, KMV concepts, default risk, and bankruptcy assessment.
The final course connects credit decisions with operational execution through syndicated loans, revolving facilities, term loans, loan documentation, settlement, servicing, debt accounting, reconciliation, and discrepancy resolution. By completion, you will be prepared to apply structured, risk-aware approaches across banking, credit analysis, lending operations, and financial risk roles.
Übungsprojekt
Learners will complete practical projects involving borrower credit appraisal, financial statement and cash flow analysis, credit rating interpretation, default risk assessment, and bank loan lifecycle review. They will apply structured models and banking workflows to evaluate creditworthiness, recommend lending decisions, identify repayment risks, and resolve realistic loan servicing and reconciliation challenges.
