Credit Analyst
Profile Code: AL-BFS-03
- ₹5.5 LPA (Median Salary)
- Lecture Duration 2hrs
- Course Duration 8 Weeks
Skills You Learn: Credit Analysis | Financial Statement Analysis | Ratio Analysis | Cash Flow Analysis | Credit Risk Assessment | Loan Underwriting | Credit Appraisal | Financial Modeling | Income Verification | Collateral Evaluation | Lending Policies & Procedures | Credit Decision Making | Risk Management | Banking Regulations | Advanced Excel | SQL Basics | MIS Reporting | Business Communication | Analytical Thinking | Attention to Detail
Overview Video
About This Course
A Credit Analyst evaluates whether to approve a loan/credit request and how to structure it (amount, tenure, pricing, security, and conditions). The role is central to lenders because credit decisions drive portfolio quality and profitability. Work starts with gathering and validating applicant data—KYC, income proofs, bank statements, tax filings, and bureau reports—and checking for red flags like recent delinquencies, high obligations, unstable income, or document inconsistencies. The analyst applies credit policy rules (score cut-offs, FOIR/DBR limits, exposure caps, acceptable industries) and prepares an underwriting recommendation that is clear and audit-friendly. For SME/corporate lending, analysis often includes financial statements, cash-flow assessment, working capital cycle review, leverage/coverage ratios, and scenario checks. Credit Analysts coordinate with sales/relationship teams, operations, and legal to ensure decisions are timely and compliant. Over time, they develop strong judgment and pattern recognition, and can progress into underwriting leadership, credit risk, or portfolio analytics roles.
Course Content
4 modules · 8 weeks · 2hrs/dayExcel Course
The **Excel Course** covers basic to advanced concepts for Credit Analysts in the BFSI industry, including workbook management, formulas, functions, data validation, sorting, filtering, conditional formatting, Pivot Tables, Pivot Charts, XLOOKUP, INDEX-MATCH, Power Query, Power Pivot, loan portfolio analysis, credit risk assessment, financial statement analysis, ratio analysis, EMI calculations, What-If Analysis, Solver, dashboards, VBA automation, KPI reporting, delinquency tracking, portfolio monitoring, audit reporting, and interactive dashboards to evaluate borrower performance, improve credit decisions, and support data-driven financial analysis.
Internal LOS/LMS Course
The **Internal LOS/LMS Course** covers basic to advanced concepts for Credit Analysts in the BFSI industry, including Loan Origination System (LOS) navigation, Loan Management System (LMS) operations, customer onboarding, KYC verification, loan application processing, document verification, credit appraisal workflows, eligibility assessment, loan sanctioning, disbursement processes, repayment scheduling, collateral management, account servicing, collections tracking, NPA monitoring, workflow automation, compliance reporting, audit trails, user role management, MIS reporting, and system integration to streamline lending operations and improve credit lifecycle management.
Bureau Tools Course
The **Bureau Tools Course** covers basic to advanced concepts for Credit Analysts in the BFSI industry, including credit bureau fundamentals, credit report analysis, credit score interpretation, borrower profiling, repayment history evaluation, inquiry analysis, fraud detection, credit exposure assessment, risk grading, bureau data validation, loan eligibility assessment, customer segmentation, portfolio risk monitoring, scorecard analysis, compliance verification, dispute management, bureau integrations, automated decision support, reporting, and regulatory compliance to strengthen credit risk assessment and support accurate lending decisions.
SQL/BI Course
The **SQL/BI Course** covers basic to advanced concepts for Credit Analysts in the BFSI industry, including SQL database fundamentals, SELECT queries, joins, aggregate functions, subqueries, window functions, data extraction, query optimization, along with BI concepts such as data integration, data modeling, dashboard creation, KPI development, interactive visualizations, loan portfolio analysis, credit risk dashboards, delinquency monitoring, customer segmentation, predictive analytics, automated reporting, executive dashboards, compliance reporting, and performance monitoring to transform lending and customer data into actionable insights for informed credit and risk management decisions.
Key Responsibilities
- Analyze loan applications
- Assess borrower creditworthiness
- Evaluate financial statements
- Perform ratio and cash flow analysis
- Conduct credit risk assessment
- Verify income and supporting documents
- Prepare credit appraisal reports
- Recommend loan approvals or rejections
- Ensure compliance with lending policies
- Monitor existing loan portfolios
- Review collateral and security documents
- Identify potential credit risks
- Coordinate with underwriting and relationship teams
- Maintain accurate credit documentation
- Support portfolio quality and risk management.
Growth Path
Tools Used
Perfect For
Fresh Graduates | B.Com Graduates | BBA Students | MBA Finance Students | M.Com Graduates | Banking & Finance Aspirants | Credit Processing Professionals | Loan Officers | Risk Management Professionals | Financial Analysts | Operations Executives | Career Switchers | Anyone Interested in BFSI Credit Careers
Fee Structure
Mentor
Analytics Learners
Professional Analyst & Mentor
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