Banking Credit Portfolio Analysis and Management

In the world of banking, managing credit risk is the key to maintaining a healthy and profitable financial institution. This text-based course guides you through the fundamental principles of evaluating borrower creditworthiness and managing a diverse loan portfolio. You will transition from understanding basic accounting concepts to actively analyzing financial statements, calculating key credit ratios, and structuring compliant loan agreements. By reading through practical scenarios and structured explanations, you will gain the confidence to assess credit risk and make data-driven lending decisions. What you'll learn: Analyze financial statements and calculate essential credit ratios to evaluate borrower health; Assess credit risk using both traditional qualitative methods and modern quantitative scoring models; Design compliant loan policies that align with current banking regulations and risk appetite; Monitor portfolio performance and identify early warning signs of credit deterioration; Understand the growing role of ESG (Environmental, Social, and Governance) factors in modern credit risk assessment. The course starts with key banking terminology and foundational credit concepts before moving into financial analysis, portfolio structuring, and modern risk mitigation strategies. You will read through realistic banking scenarios and apply your knowledge through written review exercises. This course is designed for aspiring credit analysts, banking professionals, and finance students who want to build a solid foundation in credit management. No prior banking experience is required. Start building your credit analysis skills today.