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What is the role of credit analysis in today's world?

The main objective of credit analysis is to mediate the connection between the lenders and receivers and to assess the exposure of risk for the lenders. It is used in several business organisations that deal with huge corporate funds and customer loans. Major business policies and bank regulations are formed based on the credit risk policies of a bank or organisation. Corporate organisations place a lot of importance on this because in the past few decades, majority of the scandals in business have been because of negligence to credit risk.

Career prospects

Because of the importance of this business function, a lot of job opportunities are opening up for credit analysts. This technical profession is in high demand and finance professionals join as risk managers, risk technicians and risk surveyors. They specialise in forecasting costs, predicting the changes in cost and risk regulations. There are different concentrations to choose from: operational, regulatory, market and bank credit policies. Operation analysts take care of internal policies and manage employee funds whereas market analysts look at the risks associated with the external factors in the market affecting the trade transactions between organisations. Regulatory analysts take care of the effects associated with the new legislations given by the government. Credit risk analysts manage the policies for lending to customers and decide the criteria for lending and managing any default situations. Some even opt for management consultancy jobs after acquiring adequate certifications.

Courses and concentrations

Credit analysis is one of the most coveted financial specialisations and many premier business schools offer these programmes in their flagship departments. These are usually taught in traditional classroom settings by industry experts. Some universities even make these courses available in online form for distance learners which include video tutorials, webinars and periodic assessments.

The courses usually cover the following areas:

  •         Resource management
  •         Business decision proposal making
  •         Forecasting methods
  •         Essentials in trading
  •         Quantitative and qualitative analyses
  •         Financial packaging and software
  •         Different models of financing such as VAR (Value at Risk)
  •         Insurance policy making
  •         Principles of accounting
  •         Intermediate accounting
  •         Case studies

Benefits of specialising in credit risk analysis

These courses are especially beneficial for the finance professionals working closely with credit and corporate banking division in banks and/or other financial institutions. Having these certifications improves chances of recruitment in various multinational corporations and banks. Some back it up with an MBA to score better chances in recruitment and selection processes of various organisations. In a nutshell, having certifications in credit risk analysis gives the employer an idea of the expertise of the candidates and in turn gives them a financially rewarding career.

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LEORON Accredited by ANSI

LEORON Institute is accredited by ANSI as, ANSI-Accredited Certificate Issuer.

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