What I will learn?

• 5 Cs of Credit
• Key financial statement analysis: Reading balance sheets, income statements, and cash flow statements to spot strengths and red flags
• Essential credit ratios and metrics: Liquidity (current/quick ratios), leverage (debt-to-equity, debt service coverage), profitability, efficiency, and coverage ratios that lenders rely on
• Qualitative risk factors: Industry analysis, management quality, market conditions, competitive positioning, and non-financial risks
• Credit risk identification and mitigation: Default probability, loss given default, structuring loans, covenants, guarantees, and security requirements
• The full credit evaluation process: From application to approval/denial, credit memos, underwriting standards, and regulatory considerations
• Real-world applications: Case studies across consumer lending, small business loans, commercial & industrial (C&I) lending, and corporate credit