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EDUCBA via Coursera

Financial Statement Analysis for Credit Decisions

4.920 ratings at Coursera

Overview

Learn how banks and financial analysts evaluate the creditworthiness of companies using financial data and business insights. Build practical skills to assess risk, interpret financial statements, and support lending decisions.

This course provides a structured introduction to corporate credit analysis. You will learn how credit rating agencies evaluate companies, understand the importance of promoters and management quality, and analyze business strength and competitive positioning.

You will develop strong financial analysis skills by examining profit and loss statements, balance sheets, and cash flow data. The course also covers key working capital components such as receivables and trade creditors, helping you assess liquidity and operational efficiency.

Through practical examples, you will learn how to interpret financial ratios, evaluate profitability and coverage metrics, and analyze liability structures to determine a company’s ability to meet its financial obligations.

By the end of the course, you will be able to confidently assess corporate creditworthiness and apply structured analysis techniques in banking, credit rating, and investment decision-making.

Syllabus 3

  1. Untitled Module 2.5 hours

    This module introduces the fundamental concepts of credit rating and explains how rating agencies evaluate the creditworthiness of companies and financial instruments. Learners explore the role of major credit rating agencies, the influence of promoters on corporate credibility, and the importance…

  2. Evaluating Business Strength 2 hours

    This module focuses on assessing the qualitative and operational aspects that influence a company’s credit profile. Learners examine management quality, competitive positioning, and financial statement interpretation, along with key working capital components such as receivables and trade creditors…

  3. Financial Analysis for Creditworthiness 2.5 hours

    This module explores the financial metrics used by credit analysts to evaluate a company’s repayment capacity. Learners examine cash flow analysis, financial ratios, profitability indicators, and liability structures to understand how financial data supports comprehensive credit risk evaluation.

Advantages and disadvantages

Advantages

  • Structured courses with graded quizzes, assignments and deadlines you can reset.
  • A shareable certificate from the university or company when you pay.
  • Financial aid is often approved for students in India (apply 15 days before you need it).
  • Covers niche tools that universities don't teach.
  • Self-paced: start any time.
  • A clear syllabus (3 parts) you can see before you start.

Disadvantages

  • Paid after a 7-day free trial (Coursera Plus or per course).
  • Some courses can be audited for free, but graded work and certificates need payment.
  • Many courses are produced quickly from slides and screen recordings; read the reviews first.

Some points apply to every course of this kind; see how we rank.

This course is paid. Here is how to take it for free

  • Free trials: You can start a 7-day free trial for many individual courses, Specializations, or a Coursera Plus subscription to test full course features. Cancel before the seventh day if you do not want to be charged.
  • Financial aid: If you cannot afford the fee for a certificate, you can apply for financial aid through the link on the course home page by filling out an application about your background and goals.

Taught by

  • EDUCBA

EDUCBA is in Tier 5: mass-produced or unclear of our institution ranking (36/100). Thousands of courses, mostly slides and screen recordings.

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