Course Objectives

Although credit analysts should have a basic sense of how to read financial statements, it is also important to apply analysis tools to the data to gain a better understanding of a borrower’s financial position and performance. Financial ratios can significantly improve an analyst’s ability to see an applicant’s total financial picture. This Course will discuss the essential components of the financial ratio analysis process to benefit both new and seasoned analysts. The discussion of the financial ratio analysis process will cover the following topics:

  • Considerations in using financial ratios

  • Keeping ratio analysis in perspective

  • Liquidity ratios including primary, secondary and liquidity trends

  • Leverage/coverage ratios including primary, secondary, likelihood of bankruptcy, and leverage and debt coverage trends

  • Performance ratios including primary, secondary, and profitability trends

  • Efficiency ratios including primary, secondary, and efficiency/activity trends

  • Other analysis tools including such tool as cash flow ratios and ratios for analyzing individuals

Course curriculum

    1. Financial Analysis Overview

    2. Keeping Ratio Analysis in Perspective

    3. Liquidity Ratios

    4. Liquidity Trends

    5. Leverage / Coverage Ratios

    6. Leverage Trends

    7. Debt Coverage Trends

    8. Performance and Profitability Ratios

    9. Profitability Trends

    10. Efficiency Ratios

    11. Efficiency / Activity Trends

    12. Other Analysis Tools

    1. Review Quiz

    2. Course Evaluation

About this course

  • $199.00
  • 16 lessons
  • 1.5 hours of video content

Upgrade to the Certification Program

Credit analysts, lenders, risk managers, credit officers, portfolio managers and persons responsible for loan quality or review and those evaluating or regulating credit decisions would benefit from this course. Other financial professions seeking education in preserving quality lending and fully understanding and evaluating the loan underwriting process would also benefit from the training.

  • $799.00

    Commercial Credit Analysis Certification

    The Commercial Credit Analysis Certification program consists of eight (8) courses covering the Credit Analysis Process, the Five C's of Credit, Analyzing Financial Statements, the Balance Sheet, the Income and Equity Statements, the Cash Flow Statement, Financial Ratios Analysis, and Analyzing the Creditworthiness of Individuals. You can save purchasing these courses as a bundle while earning an important certification to demonstrate your credit analysis expertise. The courses are available to revisit for one year from the date of purchase. You will have access to any updated materials reflecting changes in prudent banking practices, regulations, and market conditions during this time.
    Buy Now