Bank Credit Analysis and Portfolio Management

Understanding how banks evaluate financial risk and manage credit portfolios is essential for anyone entering the commercial banking or financial analysis sector. This text-based course guides you through the fundamental principles of credit risk assessment and the strategic management of loan portfolios. You will transition from understanding basic financial statements to performing comprehensive credit risk evaluations and managing diverse banking portfolios. Through clear written explanations and practical scenarios, you will learn to identify potential default risks, structure credit agreements, and apply modern risk-mitigation techniques. What you'll learn: - Understand the foundational concepts of bank credit analysis and the five C's of credit - Analyze financial statements, cash flows, and key ratios to evaluate borrower creditworthiness - Assess modern credit risk factors, including algorithmic credit scoring and ESG-integrated risk metrics - Structure commercial loans and establish appropriate covenants to protect banking assets - Manage credit portfolios by diversifying risk and monitoring portfolio performance - Apply risk-mitigation strategies to minimize potential loan defaults and credit losses The course starts with foundational banking terminology and financial statement analysis before progressing to portfolio management strategies and risk mitigation frameworks. You will read real-world scenarios and complete written exercises designed to build your practical decision-making skills. This course is designed for beginners, aspiring credit analysts, and finance students who want to build a strong foundation in commercial lending and banking risk management. No prior credit analysis experience is required. Start reading today to master the core principles of bank credit assessment and portfolio risk management.