Financial Modeling for Credit Risk Analysis

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.