Learn what credit is, compare important loan characteristics, and cover the qualitative and quantitative techniques used in the analysis and underwriting process.
Credit plays an important role in the lives of many individuals; it’s also a key source of funding for businesses making capital expenditures (CAPEX). In this course, we discuss important lending topics like the difference between traditional loans and trade credit, different types of interest, different types of loans, where collateral security fits in, and how to build an amortization schedule for reducing term debt. We cover an overview of the 5 Cs of Credit framework and how it may influence different loan characteristics before diving into some qualitative assessment tools and a list of the key financial ratios that an analyst would look at when evaluating a company’s creditworthiness. We also take a step back to look at the credit landscape to help learners understand what kinds of career opportunities exist for aspiring credit professionals.
Fundamentals of Credit Learning Objectives
Upon completing this course, you will be able to:
Define what credit is and how it’s created.
Identify some of the different career opportunities available to credit professionals.
Compare different types of interest payments and loan characteristics to help inform an appropriate credit structure.
Explain what capital expenditure (or CAPEX) is and how debt financing can support it.
Explain the 5 Cs of Credit framework and how it informs risk assessments.
Identify the important qualitative and quantitative techniques, including key financial ratios used in the risk assessment process.
Who should take this course?
This Fundamentals of Credit course is perfect for any aspiring or early-stage credit professionals, including business and commercial bankers, credit analysts, real estate lenders, equipment finance, loan & mortgage brokers, and other private (non-bank) lenders.
Why stop here? Expand your skills and show your expertise with the professional certifications, specializations, and CPE credits you’re already on your way to earning.
FUN AND ENGAGING
The content is clearly understandable and the material is concise and well-organized. The speaker's voice is also engaging. I recommend this to finance students who want to know more about financial management!
Abrielle Santos
Fairly Informative
It is good information for an intro course but some things were left unexplained
Selene Ni
Dear CFI,
Happy new year, i wish you have a great time.
I learn numerous experience in credit.
Thank you
Ebrahim Gharleghi
Great Refresher
Course was a welcomed refresher on credit and commercial lending.
Alec Garza
Good learning experience
Kudos to CFI teams for this wonderful opportunity.
Thank you so much.
Segun Okikiola Sangokoya
Great
It was very enlightening.
Mary Enesi
simple and interesting
simple and interesting
Pierre MBRA
Great Information
I highly recommend taking this course.
John Lewis
The courses are top!!
Jeff Derazin
WONDERFUL
LECTURE NOTES SHOULD BE PROVIDED
SAMUEL SUGURU LAARY
The best
Lovely , you really learn
Asisi Ferdinard
Happy learning
CFI is the perfect platform for CPD courses for enthusiastic people
Muhammed Tareq Hasan
I had taken the course which fouster me in my work
Good learning environment
Amenu Dessalegn
Very detailed and informative
Corrinda Crockett
Really a great to experience with this course
Awesome and little difficult while attending the assessment
Rodricks Manick V
Great course for a beginner interested in credit analysis.
Felicia Fortuna
Great course
get knowledge about credit analysis
Bhuvaneshwaran Balamurugan
Engaging
Simple, easy to follow and informative course. Concepts were clearly explained and interactive exercises reinforced learning.
Omolara Aribisala
Excellect course materials
Very good informative and knowledgeable course.
Puneet Dhanraj Bohra
A highlight of the key concepts
Ancestor Moyo
10 Out Of 10 Would Recommend
Absolutely great refresher course with helpful templates for comparing loan types and features.
DEVRHOID DAVIS
It is worth the effort to learn.
Harrison Selassie Awumah
Good
Good for understanding and booster to carrier
Yogesh Trambake
Bite Sized Modules Hands On Excel Exercises and Quiz Like Interactive Exercises
I love that CFI presents the material in 1-3 minute "bite-sized" modules and intersperses them with hands-on Excel exercises and quiz-like interactive exercises to help you review along the way. Very helpful for "digestion" of the material and conducive to multi-tasking at work and at home with our busy lifestyles.
Brian Canada
Easy and informative experience
Informative platform and accurate data accommodated with easy access
Anas Gohar
Professional
Very professional training we cant get in a one stop shop class
FA Shadrack Alosa
The course is very informative
Seth-Garth Scheepers
Helps understand fundamentals
Good course for beginners and intermediate level. Beginners might need more time to understand the financial ratios portion.
Darshini Appandai
good
building start for any credit analyst
fotaw chambeng vivian
Excellent
Learned a lot about credit
Jefferson Matewa
it was a excelence learning experience
very good instructor and efficient in explaining
Rohit Hosamani
Presenters of the course are experts
Ibrahim Yousuf AlMaaini 22F23583
touch the key highlight in credit analyst CBCA designation
I will encourage anyone considering career in credit to enroll for the CBCA full certification program
Julius Anuolu Oloyede
Really great
Oww, take courses of CFI for your carreer growth
Yohannis Yemanebirhan Zikie
CFI Institute helps people to build thier career path in finance or accounting
Mohamed Abd El Monem Abd El Rahman Osman
Good course
This is a good course.
Corinne Brown
Excellent
Very useful and adding new knowledge and information in very simple form
Amr Ahmed El-Sadek Abdel Kader
The experience is very nice
Course ia very informative
nikita pingle
Teaching style is clear and simple!!!
Njabulo Vincent Hadebe
Wonderful Videos and Presentations.
Would recommend this course and materials for the beginners
Dillibabu Sekar
Great Learning!
CFI is an amazing platform with a great catalogue of courses for Finance professionals
JISS TOM PALELIL
Excellent course
CFI is doing good job by offering fundamental courses so that one could be acquainted with basics. The best part is the course also covers prospective jobs one can go to if one takes the course.
JAYANTH SAI SIVANAND Bhukya
Fun and knowledgeable!
This 2-hour free course was an excellent opportunity for students like me who want access to informative materials that align with our interests.
Kimberly Asley Anselmo
great
i highly recommend this course
SONNA FEUZE Boris
Informative and engaging in learning
The course is very educational, can help us enhance our knowledge, and is engaging since there are activities that we can do.
Ethel Alyssa Arellano
Fundamentals of Credit
I have just started with the CBCA certification and I'd definitely say that their first course very well designed and insightful.
Kishan Sunilkumar Panchal
Learn and you won't regret...
felix mbotwa
Educating
It's a really nice course to learn for professionals
Emmanuel Daniel
for to in at when did do are
the for to in at when what for
Devil Daeth
A very modern online learning portal
The online experience was amazing, easy to follow, you can pose rewind and take notes. You can slow down the speed of the lecture, it was a very smooth journey.
ELIZABETH BENJAMIN KILASA
An experience worth every bit of my time
An experience worth every bit of my time
Aliyu Muhammad
Insightful
it was such a concise yet detailed introduction to Credit
Nana Akua Afriyie Asumeng
great
Good learning experience
Jorge Garza
I am very happy that CFI brings such a great content!
Michal Misior
One word Awesome
Great content, Cheers! to the hardworking CFI team.
William Mburu
it was a simple and powerful course
ahmed abdelhady
GOOD!
I really learned many new things.
OPEYEMI OYEBODE
This great course about finance
Elizeu Ferreira da Silva
Every Day Applicable
The information presented is usable right of the line in your everyday life of finance.
Charles Lange
packed with knowledge
You will learn a lot that will aid you i your career aspirations.
Martha Unekwuojo Ogbole
Great experience
i have a banking experience about 12 years and this course added a credit information to me .
Good job
Fawzy Ahmed
Keep Learning
This course is very short but broad and detail that gives clear insights what the credit analyst should do throughout its tasks.
Atinafu Asefa
Educative
The course is so educative
David. O. Osho
FUNDAMENTALS OF CREDICT
LESSONFUL AND INFORMATIVE.
Sonam Choki
Amazing
This is a good start when you want to be a specialist in credit
Myles Malambo
Awesome
Critical as a preparatory course for someone interested in a career as a credit analyst
JOSEPH MUTENGA GULOBA
Great learning experience
Great learning experience!
John Carlos Plata
interesting course
very recommendable course
Frederic Nzoga
Great learning experience
Love the pratical examples
Kenavo edoh
Fundamentals of Credit
Course is very informative. Thank you.
Melissa Mei Sumilong
I learned a lot about the fundamentals of credit.
Hazel Ann Orteza
Good
Confusing topics broken down into manageable examples
Scott Jackson
Beautiful experience
The course was seamless and enjoyable. The user interface for students is accommodating.
Aaron Chilufya Muyeba
excellent
please do try this course and explore the respective field. they also have very good courses.
Mukul Thakur
Very interesting!
Clear and inspiring!
Alessandro Motyczka
Quality course.
Straight forward and full of relevant information.
James Hutzel
Informative
Very informative indeed
Timothy Njoroge Mburu
Great Credit booster course
Take this even if you have a good knowledge base of credit. You will learn better terminology.
Tyler Hockett
Short videos, great content, free certification - Awesome course
Short videos, great content, free certification - Awesome course
Avantika Jha
Equal Payment vs Equal Ammortizing
Jose muriithii
Great Course!
I recommend this course for anyone interested in credit operations.
ernesto baba
Very good and free course for commercial banking and credit professionals.
If you know nothing or wish to know more about credit, I advise you to take this course. It says fundamentals but it goes kind of deeper and builds the learner's confidence to pursue higher level courses. Thank you C.F.I.
Brandon Mafany Eyole Harry
My learning experience was great with lots to learn.
great insights from the lessons and awesome tutor.
Mary Dawo
Good for budding Commercial Bankers
It's one the good courses to learn the basics of credit covering the most important aspects i.e. 5 Cs of credit and PESTEL analysis.
Ammar Ahmed
Good
Well laid out program.
Gape Rapitse
Best Content and actuals ground level knowledge
Best Content and actuals ground level knowledge about credit, I have completed my course freely and improve my skills towards credit through ❤️"Fundamental of Credit"
Pankaj Yadav
Nice
suitable for non credit industry experience person to have a brief introduction
Qiao Ping Tan
Fantastic
You need to experience it
Oluwole Oguntimehin
Great introduction for credit analysis
Looking forward to expand my knowledge
Abdallah Awwad
A Smooth Sail
The instructor explained in details all the covered topics regarding the course and carefully explained everything in way that is easy to comprehend.
Ali Ataya
Insightful
Well articulated refresher course
Noordeen Banda
Great course
Great instructions throughout
Michael Ryan
Valuable
Thanks to CFI for giving me this knowledge
Rohit Mahawar
Incredible
I love how detailed and short the videos are..I'm just getting started but at the end of it all,I'm sure I will have done every course in CFI
Grace Situma
Great addition to broadening someone's knowledge
Recommend to anyone that wants to learn and grow in their career and knowledge
Sone Loots
Very informative
Practical information
Pavan Pardeshi
Fundamentals of Credit course
Thank u so much for this course, it is very helpful to me.
KAJAL BN
for every credit officer.
The course is well structured. Almost all areas of advance/ credit is covered.
Manoj Kumar Bhattaray
for every credit officer.
The course is well structured. Almost all areas of advance/ credit is covered.
All of our certification programs are open to students and professionals in various industries and levels of experience. Our curriculum is designed to teach what you need to know from basic fundamentals to advanced practical case studies. To take the courses and complete the exercises, students will only need access to a PC and/or Mac, Microsoft Suite (2016 or newer), and a stable internet connection. Click here to view the Technical Requirements
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Can I email the instructor if I have questions?
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Will these courses help me advance my career?
Based on hundreds of reviews from thousands of students we know how CFI courses have helped so many people advance their finance careers. Our courses are designed to be extremely practical and simulate the experience of being trained as a professional financial analyst…the ultimate way to advance your career. For real-world examples and to help delve even deeper into the course concepts, please look into our free career resources library.
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