Credit Analysis and Risk Modeling

EDUCBA via Coursera Specialization

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Provider

Coursera Specialization
Pricing

Paid Course
Languages

English
Certificate

Certificate Available
Level

Beginner

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Overview

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Build job-ready skills in credit analysis, financial modeling, credit ratings, and real estate finance. Learn how banks, credit rating agencies, and financial institutions evaluate borrower risk and repayment capacity. This Specialization helps you develop practical expertise in analyzing companies, real estate projects, and financial risk using structured credit frameworks. You will learn how to interpret financial statements, assess profitability, liquidity, leverage, working capital, and coverage ratios, and evaluate a company’s ability to meet debt obligations. You will also explore credit rating methodologies, rating symbols, investment grade ratings, project finance, public finance, and qualitative risk factors such as management quality and business strength. Through real estate finance modules, you will analyze rent rolls, lease rental discounting models, DSCR, construction costs, sales projections, and project funding requirements. The Specialization also covers credit risk modeling techniques such as Altman Z-Score and KMV model, along with financial statement forecasting, debt schedules, interest calculations, and linked financial models. By the end, you will be able to assess creditworthiness, interpret credit ratings, analyze financial risk, and support lending, investment, and risk management decisions with confidence.

Syllabus

Course 1: Financial Statement Analysis for Credit Decisions
Course 2: Financial Risk Analysis for Credit Ratings
Course 3: Financial Modeling for Credit Risk Analysis
Course 4: Real Estate Finance & Credit Analysis

Courses

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Learn how financial institutions analyze credit risk using structured models, financial data, and rating frameworks. Build practical skills in credit research and financial modeling used in banking and risk management roles. This course provides a step-by-step approach to credit risk analysis. You will learn how credit analysts evaluate borrowers using financial statements, ratio analysis, and structured credit rating frameworks. You will explore widely used credit risk models such as the Altman Z-Score and KMV model to understand how default probability and financial distress are measured. These tools will help you evaluate risk using quantitative methods applied in real-world finance. The course also develops your financial modeling skills by teaching how to forecast expenses, link financial statements, and analyze working capital. You will learn how income statements, balance sheets, and cash flows interact within a financial model to support credit decisions. In addition, you will analyze equity and debt structures, understand interest and repayment schedules, and evaluate how financing decisions impact credit risk. By the end of the course, you will be able to confidently analyze credit risk, interpret financial models, and apply structured credit evaluation techniques used by banks and financial analysts.
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Learn how credit ratings are assigned and how financial risk is evaluated across companies, financial institutions, and public sector entities. Build practical skills used by credit analysts and rating agencies. This course provides a structured approach to understanding credit ratings and financial risk analysis. You will learn how rating agencies evaluate borrowers, interpret rating symbols, and assess industry and business risk factors. You will develop strong financial analysis skills by examining balance sheets, financial statements, and key ratios such as leverage, liquidity, and return on capital. These tools will help you evaluate an organization’s ability to meet its financial obligations. The course also explores different rating categories, including investment grade, project finance, and public finance ratings. You will understand how credit ratings are applied across sectors such as corporates, banks, and infrastructure projects. In advanced sections, you will learn how rating agencies evaluate qualitative factors like management quality and monitor credit ratings over time to reflect changing market conditions. By the end of the course, you will be able to confidently interpret credit ratings, assess financial risk, and apply structured credit analysis techniques in real-world financial decision-making.
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Learn how banks and financial analysts evaluate the creditworthiness of companies using financial data and business insights. Build practical skills to assess risk, interpret financial statements, and support lending decisions. This course provides a structured introduction to corporate credit analysis. You will learn how credit rating agencies evaluate companies, understand the importance of promoters and management quality, and analyze business strength and competitive positioning. You will develop strong financial analysis skills by examining profit and loss statements, balance sheets, and cash flow data. The course also covers key working capital components such as receivables and trade creditors, helping you assess liquidity and operational efficiency. Through practical examples, you will learn how to interpret financial ratios, evaluate profitability and coverage metrics, and analyze liability structures to determine a company’s ability to meet its financial obligations. By the end of the course, you will be able to confidently assess corporate creditworthiness and apply structured analysis techniques in banking, credit rating, and investment decision-making.
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Learn how real estate financing works and how lenders evaluate property-backed investments. Build practical skills in real estate credit analysis and financial modeling used in banking and finance roles. This course provides a structured approach to understanding real estate credit and financing models. You will learn how income-generating properties are evaluated, how rental cash flows are analyzed, and how lenders assess risk in property-backed lending. You will explore lease rental discounting (LRD) models, interpret rent rolls, and analyze property financial statements to determine income stability and loan repayment capacity. The course also covers key financial metrics such as Debt Service Coverage Ratio (DSCR) to evaluate creditworthiness. In addition, you will learn how real estate development projects are structured under the develop-and-sell model. You will analyze construction costs, sales projections, and customer payment schedules to evaluate project feasibility and funding requirements. By the end of the course, you will be able to confidently analyze real estate credit opportunities, interpret financial models, and support lending and investment decisions in the real estate sector.