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An Interactive 5-Day Training Course

The Global Standard in Credit Analysis

Enhance credit risk judgment and portfolio resilience through a Global Standard in Credit Analysis

The Global Standard in Credit Analysis training course equips professionals with advanced skills to assess credit risk, evaluate financial strength, and apply internationally recognised credit analysis techniques to support sound lending decisions and portfolio stability.

Core Competencies:

Credit Risk Assessment
Financial Statement Analysis
Risk-Based Pricing
Credit Portfolio Management

Course Schedule

28 Dec - 01 Jan 2027

Dubai

| $5950

23 - 27 Mar 2026

Online

| $3950

28 Dec - 01 Jan 2027

Online

| $3950

On this Page

Introduction Key Learning Outcomes Training Methodology Who Should Attend? Outline

Introduction

Recent financial crises and periods of market volatility have reinforced the critical importance of robust credit analysis. Weak credit assessment not only threatens individual institutions but can also undermine wider economic stability. Banks and financial organisations are therefore expected to apply disciplined, forward-looking credit risk evaluation aligned with international standards and regulatory expectations.

This Global Standard in Credit Analysis training course develops the capability to analyse borrower performance through financial statements, business plans, and economic indicators. It provides practical guidance on managing credit risk, developing credit risk models, and applying risk-based approaches to pricing, collateral, and portfolio control. The course strengthens professional judgment to support sustainable profitability while minimising exposure to credit and market risk.

Key focus areas include:

The credit risk environment and external risk drivers
Financial analysis and credit evaluation techniques
Credit risk modelling and stress testing
Effective credit portfolio management

Key Learning Outcomes

At the end of this training course, participants will be able to:

Analyse credit risk in line with international standards and stress-testing requirements
Evaluate financial statements and business plans to assess creditworthiness
Apply financial and credit risk models to measure and price risk
Integrate risk-based approaches to collateral and credit structuring
Strengthen monitoring and control of credit portfolios
Improve credit decision-making under changing economic conditions

Training Methodology

This training course adopts a practical, applied learning approach combining expert-led instruction with case-based analysis and facilitated discussions. Participants examine real-world credit scenarios to strengthen analytical capability, improve judgment, and translate credit risk concepts into effective workplace practices.

Who Should Attend?

This training course is ideal for professionals seeking to:

Credit analysts and credit risk professionals
Relationship managers and lending officers
Risk management and portfolio management specialists
Finance and treasury professionals
Banking and financial services managers
Professionals involved in credit approval and monitoring

Course Outline

Day 1

The Credit Risk Environment

Sources of Credit Risk
The Risk-Return Trade-Off
External Factors – Coronavirus, Interest Rates, Inflation, Recession, Exchange Rates, Oil Prices Etc
Establishing a Credit Risk Strategy & Implementing Credit Limits
Operating under a sound Credit Policies
Concentration Risk & Exposure Limits – Establishing a Diverse Credit Portfolio & Aggregate Group Position

Day 2

Methods of Finance & Associated Risk

Evaluating the Need for Finance
Methods of Finance
Asset Finance
Working Capital Finance
Improving & Evaluating the Cash Flow Cycle
International Trade Finance: Letters of Credit, Bonds & Country Risk

Day 3

Evaluating Credit Risk

Business & Industry Analysis - Evaluating Business Plans & Businesses
Evaluating Financial Statements
Financial Ratio Analysis to evaluate Profitability, Liquidity, Operations, and Leverage
Distress Models – identifying companies in danger of liquidation
The use of RAROC (Risk-Adjusted Return on Capital) in Credit Decisions
Stress Testing Credit – assessing the impact of changing market & economic conditions

Day 4

Modelling Credit Analysis & Price

Internal Credit Rating Systems
Credit Risk Modelling – Credit Scoring, Distress Models & Value at Risk Models
Risk-Based Pricing – rates and fees
Computer-Based Models to Evaluate and Price for Credit Risk
Bond Rating & Credit Risk/ Value at Risk Modelling
Pricing for Risk and Basle/Regulations

Day 5

Managing Credit Risk - from Credit Agreements to Debt Recovery

Facility Structuring, Credit Agreements & Covenants
Monitoring & Controlling Credit – the Early Warning Signs and Dealing with Potential Bad Debts
Credit Insurance
Collateral – from taking to realizing
Credit Derivatives – CDS & CDO’s - learning lessons from the past
Refiniancing, Funding Recovery & Restructuring of Debt

International Standards & Professional Alignment

Our training courses are aligned with internationally recognised professional standards and frameworks across leadership, strategy, finance, governance, risk, compliance, and audit. By integrating globally trusted models, we ensure learners develop practical, relevant, and industry-recognised capabilities.

Our trainings draw on leading international standards and professional frameworks, including ISO, ISACA, COSO, OECD, IIA, FATF, Basel, IFRS/ISSB, GRI, NIST, CPD, ILM and the OECD AI Principles. This alignment ensures consistency with global best practices across financial management, risk oversight, digital governance, sustainability, and strategic decision-making..

Designed in alignment with globally recognised professional bodies, our courses support continuous professional development, strengthen organisational capability, and provide clear pathways toward professional certifications valued worldwide.

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