CREDIT 200: THE CREDIT PROCESS

Course Length

3 to 3.5 hours

Course Description

Credit 200 builds on what you learned in Credit 100. The course introduces an 8-step process of credit lending. You will learn about analyzing applicant information before extending a loan, reading and interpreting credit bureau reports, and the valuation of assets and liabilities. Finally, you will learn about the risk consideration and the risk analysis before extending credit, and the legal documentation of loans.

Course Topics

Fundamental Concepts
  • Credit Philosophy and Process
  • Gathering and Verifying Information for the Credit Decision
  • Applicant Information
  • Character
  • Reading and Interpreting a Credit Bureau Report
  • Character Credit Presentation

Financial Statement Analysis
  • Balance Sheet and Asset Valuation
  • Balance Sheet Analysis
  • Underwriting Standards and Ratios
  • Earning Statements
  • Collateral
  • Conditions

Classify and Risk-rate Loans
  • Risk Considerations
  • Classification of Risk Rating

Documenting Credit Decisions
  • Loan Documentation
  • Legal Documentation, Compliance, and Consolidation

Course Features
  • Global navigation
  • Audio narration
  • Animated content pages
  • Interactive practice questions
  • Glossary

Pricing Options

Contact your Adayana Business Development Representative for pricing information.
Credit 200

A selection of pages from Adayana’s Credit 200 courseware, featuring interactive practice pages, engaging graphics, and global navigation.