Professional Course

Credit Risk Management in Banking

edX, Online
6 weeks
149 USD
Next course start
Start anytime See details
Self-paced Online
6 weeks
149 USD
Next course start
Start anytime See details
Self-paced Online
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Course description

Credit Risk Management in Banking

The learners will gain insights on the essential elements of the process adopted by Banks for Credit Risk Management.

To understand the challenges posed and will be equipped with necessary knowledge.

The Course further ventures into major domains of Credit Risk Management; like Selection of borrower, Reading Financial statements, using Financial Management tools e. g. Ratio Analysis, Fund Flow analysis, Cash flow Analysis.

The Course discusses on various tools, practices, models related to Credit.

It will also be of value to existing bankers who want to understand the various facets of Credit Risk Management and aspire to be a Credit Analyst or Credit Underwriter.

Upcoming start dates

1 start date available

Start anytime

  • Self-paced Online
  • Online
  • English

Who should attend?


Familiarity with basic concepts of Credit Risk Management.

Training content

The course is structured in six modules, with each module catering to a separate risk domain.


About the course

Brief Objectives


Module 1: Principles of Risk Management:

Introduction to Credit Risk Management:

Classification of Credit Risk – Credit Spreads

Credit Risk assessment tools

Types and mitigants of Concentration and Transaction Risk Management

Micro & Macro Business environment

Module 2:Basel Accords and its implications; Credit Risk Loss Distribution;

Credit Risk Models Basel I/II/III/IV Guidelines

Approaches of Credit Risk


External Ratings

Credit Scoring and Retail Credit Risk Management

Credit Derivatives

Module 3: Credit process, credit selection

Credit Analysts Skills/Role

Credit risk in selection of borrower

Character,Capacity, Collateral, Capital and Condition***

Counter Party Credit Risk.***

Module 4:Application of Credit Risk Measurement: Reading financial Statement and Economics of Credit__**

Basic Accounting Principles and Concepts

Accounting Standards

Financial Statement Analysis, Profit and Loss account / Balance Sheet

Module 5: Credit Risk management – Mitigation tools

Financial Assessment Tools

Trend Analysis

Ratio Analysis

Cash Flow Statement

Fund Flow Statement

Module 6: Strategic credit decision making,management of Credit Portfolio andCredit Rating System

Selection of Collateral

Negotiation for Covenants

Spread Risk, Portfolio Credit Risk, Structured Credit Risk

Various Credit Risk Models,

Risk Adjusted Return on Capital & Return on Risk Weighted Assets***

Capital Asset Pricing Model (CAPM), Weighted Average Cost of Capital

Course delivery details

This course is offered through State Bank of India, a partner institute of EdX.

3-5 hours per week


  • Verified Track -$149
  • Audit Track - Free

Certification / Credits

What you'll learn

  • Role of Credit Risk Management in lending decisions.
  • Basel Norms
  • Selection of an obligor.
  • To read a Balance sheet to mitigate Credit risk.
  • To understand Cash Flow, Fund Flow and Ratio analysis

Using Credit Risk management for Strategicdecision making,managing Credit Portfolio and understandingCredit Rating System.

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141 Portland Street
02139 Cambridge Massachusetts


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