Credit Research & Ratings: Analyze & Assess Risk

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Credit Research & Ratings: Analyze & Assess Risk

Instructor: EDUCBA

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2 modules

Gain insight into a topic and learn the fundamentals.

17 reviews

5 hours to complete

Flexible schedule

Learn at your own pace

2 modules

Gain insight into a topic and learn the fundamentals.

17 reviews

5 hours to complete

Flexible schedule

Learn at your own pace

What you'll learn

Explain credit rating processes, types, advantages, and limitations in markets.
Apply KMV and Altman Z-Score models to assess bankruptcy and default risk.
Analyze company creditworthiness using financials, cash flows, and repayment history.

Skills you'll gain

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Assessments

6 assignments

Taught in English

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There are 2 modules in this course

This beginner-friendly course provides a structured foundation in credit research analysis and credit ratings, equipping learners with the skills to make informed financial decisions. Across two modules, students will analyze the credit research process, evaluate credit rating agency functions, and differentiate between types, advantages, and limitations of ratings in global markets.

In the second module, learners will apply advanced risk models such as the KMV Model and Altman Z-Score to measure default probability and bankruptcy risk. They will also assess how banks evaluate companies using financial statements, cash flow strength, and repayment history, while examining the broader role of credit research in building transparency, protecting investors, and supporting modern financial systems. By the end of the course, learners will be able to confidently interpret, assess, and apply credit research insights to real-world financial and banking scenarios, making it an essential starting point for careers in finance, investment, or risk management.

This module introduces learners to the essential concepts of credit research and credit ratings, building a strong foundation for understanding how companies are evaluated in financial markets. Students will explore the step-by-step process of credit research, examine core methodologies used to assess creditworthiness, and gain insights into the role and significance of credit rating agencies. By analyzing the types, functions, advantages, disadvantages, and regulations of credit ratings, learners will develop the ability to interpret and apply credit research findings in real-world investment decisions.

What's included

10 videos3 assignments

10 videosTotal 59 minutes

Introduction to Credit Research5 minutes
Introduction to Credit Research Process3 minutes
Credit Research Process Steps6 minutes
Credit Research Methodology11 minutes
Credit Rating Agencies6 minutes
Functions of Credit Rating Agencies4 minutes
Types of Credit Ratings9 minutes
Advantages of Credit Rating8 minutes
Disadvantages of Credit Rating3 minutes
Regulations for Credit Rating Agencies3 minutes

3 assignmentsTotal 50 minutes

Credit Research Fundamentals10 minutes
Credit Rating Agencies & Practices10 minutes
Foundations of Credit Research & Ratings30 minutes

This module explores advanced concepts of credit risk modeling and the evaluation process used by banks in modern financial systems. Learners will gain practical insights into the KMV Model and the Altman Z-Score Model, two widely applied techniques for predicting default probability and bankruptcy risk. The module also examines how banks assess companies using financial criteria, credit history, and cash flow strength, while highlighting the broader role of credit research in enhancing transparency and investor protection in today’s financial markets. By completing this module, students will be equipped to analyze risk models, interpret banking evaluation practices, and understand the systemic importance of credit research.

What's included

8 videos3 assignments

8 videosTotal 53 minutes

Kmv Model3 minutes
Approaches Under Kmv Model8 minutes
Altman Z-Score Model6 minutes
Calculation Of Altman Z-Score Model5 minutes
Evaluation Criteria Of Banks7 minutes
Steps Taken By Banks To Assess Companies8 minutes
Role In Modern Financial System - Introduction7 minutes
Role In Modern Financial System - Factors9 minutes

3 assignmentsTotal 50 minutes

Credit Risk Modeling Approaches10 minutes
Bank Evaluation and Financial System Role10 minutes
Credit Risk Models & Banking Evaluation30 minutes

Instructor

Instructor ratings

(14 ratings)

EDUCBA

1,343 Courses297,058 learners

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EDUCBA

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Showing 3 of 17

Reviewed on May 9, 2026

An ideal course for beginners in finance and risk management. The step-by-step approach builds confidence in analyzing creditworthiness.

Reviewed on May 14, 2026

This course offers clear insights into how credit ratings work globally. The balance between conceptual learning and practical application is very effective.

Reviewed on May 8, 2026

A highly informative course that simplifies complex risk models like the Altman Z-Score and KMV Model. It helped me better understand default risk assessment.

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