Credit Risk Fundamentals

This is an introductory guide to understanding the fundamentals of credit risk. The pathway will introduce the basics of credit risk and then delve deeper into how credit risks are assessed and what banks/businesses can do to protect themselves from it. 

Pathway

Banking

Foundational

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8 video modules • 1 hour 35 minutes

  • Introduction to Bank Credit Risk Management

    Peter covers credit risk and its applications in the real world. Starting with both qualitative and quantitative assessments, before considering the consequences of a borrow default.

  • Introduction to Credit Analysis

    Credit analysis is the process of determining whether a counterparty will honour its obligations in a transaction. It involves balancing what is gained if they meet their obligation against how much is lost if they do not. To make these assessments, there are a plethora of factors to be taken into account. In this first video of the series, Nick specifically covers three accounts - The Balance Sheet, the Profit and Loss and Cashflow - as factors of a credit analysis.  

    Nick Beeson08:39

  • Credit Analysis Illustrated Using Financial Statements I

    In this second video of the series, Nick expands on the previous video by exploring how the accounts - the Balance Sheet, the Profit and Loss and Cashflow - interlink and how transactions ripple through these three accounts.

    Nick Beeson11:52

  • Credit Analysis Illustrated Using Financial Statements II

    In the final video of the series on credit analysis, the example from the previous videos carries over. Nick explains the working capital cycle and how its funding can cause problems.  

    Nick Beeson11:39

  • Introduction the Bank Lending Framework

    In the first part of this three part series on the ‘basics of lending’, Paul provides some context on its importance and discusses the lending strategy and objectives of a typical commercial bank.

    Paul Taylor05:46

  • The PARTS Bank Lending Framework

    In this second part of the series, Paul provides an overview of the three Cs for assessing the creditworthiness of a potential borrower. He also explains the PARTS framework.

    Paul Taylor11:54

  • The PARTS Bank Lending Framework Illustration

    In the final part of the series, Paul supplements his previous videos by examining two loan requests to demonstrate how the Three Cs and PARTS work in practice.

    Paul Taylor12:05

  • Corporate Credit Approval Process

    In this video, Iain explains the structure and key content of a credit proposal, and how corporate credit information should be presented in an approval process.

    Iain Hoggarth11:29

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