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.
AM
A well-structured program that explains both the strengths and limitations of credit ratings. It encourages critical thinking about financial risk.
RD
Clear explanations of credit research concepts helped improve my understanding of financial statements, default risk, and rating frameworks effectively.
NL
A highly informative course that simplifies complex risk models like the Altman Z-Score and KMV Model. It helped me better understand default risk assessment.
PY
An ideal course for beginners in finance and risk management. The step-by-step approach builds confidence in analyzing creditworthiness.
SK
This course provides a solid foundation in credit research and rating systems. The explanation of rating agencies and their role in financial markets is especially insightful.
GR
This course offers clear insights into how credit ratings work globally. The balance between conceptual learning and practical application is very effective.
TG
Excellent course structure with practical examples that made learning easy and engaging.
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Fascinating topic of commercial banking, with deposit taking and lending in India. Emphasizes importance of banks in financial inclusion and priority lending. Unfortunately the material is out of date, and doesn't discuss AI (in credit appraisal etc.) and digital banking.