Course Description

This course, part of the Credit and Credit Risk Analysis Professional Certificate program from the New York Institute of Finance (NYIF), dives into risk management and credit principles. The curriculum starts with foundational knowledge on credit risk, exposure, and the fundamentals of credit analysis, progressing through more advanced topics such us debt types, equity, and methods of financing. The course not only equips learners with the tools to assess business risks and credit but also explores the roles of credit-rating agencies and relevant market metrics.

What Students Will Learn

• Foundational principles of risk management and credit analysis.
• Key differences and uses of debt and equity financing.
• Nuances of credit risks including default probabilities and how these affect financial decisions.
• Techniques for effective assessment of business, industry, and company-specific risks.
• How to interpret and leverage ratings from credit-rating agencies.
• Analytical tools to evaluate market metrics like share prices and credit spreads.

Prerequisites or Skills Necessary

Students are expected to have basic knowledge in accounting to facilitate an easier understanding of the course content.

Course Coverage

• Risk Management fundamentals and introduction to credit principles.
• Detailed analysis of credit risks and their financial implications.
• Examination of financing mechanisms including debt and equity.
• Assessment methods for business and industry risks.
• Strategies for leveraging ratings from credit-rating agencies.
• Use of market-related financial metrics in credit analyses.

Who This Course Is For

This course is designed for individuals aiming to advance their skills in financial analysis, risk management, and credit analysis, particularly in the context of banking and finance industries.

Real-world Application

Skills acquired in this course can help professionals enhance their capacity in credit risk evaluation, improve risk management strategies in financial institutions, and make informed decisions regarding credit and investments. These competences are essential for roles such as credit risk analysts, financial advisors, and investment bankers.

Syllabus

• Module 1: Introduction to Risk Management and Credit Principles
• Module 2: Principles of Corporate and Project Finance
• Module 3: Credit Markets, Loan Defaults, and Expected Loss
• Module 4: Business, Industry, and Company Risk