Certified Credit Analyst (CCA®) Program

Program Overview

Certified Credit Analyst (CCA®) is a certification program for finance professionals who seek to equip themselves with the skills, knowledge and tools to advance in the demanding and rapidly changing field of credit management.

Learning Objectives

Participants attending this program will develop the following competencies:

  • Analyze and interpret financial information in order to inform and justify lending decisions
  • Evaluate and discuss the various types of financial and non-financial risk underlying corporate lending relationships
  • Understand consumer credit principles and processes and mitigate consumer credit risks
  • Develop practical experience of how to manage cash flow and optimize working capital to facilitate such delivery in real life business situations
  • Build up confidence through understanding the major drivers of successful financial performance
  • Learn a number of technical skills, all of which lead to the ability to calculate the required figures and implement them into value adding business decisions.

Program Outline

Module 1: Foundations of Credit Analysis
  • Introduction to Credit Analysis and the Role of a Credit Analyst
  • Credit Risk vs. Business Risk vs. Financial Risk
  • Types of Credit Facilities and Lending Products
  • Overview of the Credit Cycle and Economic Indicators
  • Regulatory Framework (BSP, Basel Standards, AMLA overview)
Module 2: Financial Statement Analysis
  • Understanding the Balance Sheet, Income Statement, and Cash Flow Statement
  • Quality of Earnings Assessment
  • Common-Size and Trend Analysis
  • Ratio Analysis: Liquidity, Solvency, Profitability, Efficiency
  • Working Capital and Cash Conversion Cycle
  • Identifying Red Flags in Financial Statements
Module 3: Cash Flow & Debt Service Capacity
  • Cash Flow Drivers and Forecasting
  • Direct vs. Indirect Cash Flow Methods
  • EBITDA, Free Cash Flow, and Operating Cash Flow
  • Computation of DSCR (Debt Service Coverage Ratio)
  • Stress Testing and Sensitivity Analysis
  • Evaluating Repayment Sources (Primary, Secondary, Tertiary)
Module 4: Business & Industry Risk Assessment
  • Understanding the Borrower’s Business Model
  • Industry Structure and Competitive Forces (Porter’s 5 Forces)
  • Macro-environmental Factors (PESTLE Analysis)
  • Management Quality Assessment
  • Supply Chain, Seasonality, and Market Position Analysis
  • SWOT for Credit Decision-Making
Module 5: Collateral, Security & Legal Documentation
  • Types of Collateral: Real Estate, Inventory, Receivables, Equipment
  • Valuation of Collateral and Loan-to-Value (LTV) Analysis
  • Security Interests and Perfection of Collateral
  • Credit Documentation: Loan Agreements, Promissory Notes, Securities
  • Guarantees, Covenants, and Legal Considerations
  • Monitoring Collateral and Impairment Assessment
Module 6: Credit Risk Modelling & Scoring
  • Qualitative vs. Quantitative Scoring Models
  • Probability of Default (PD) and Loss Given Default (LGD) Basics
  • Credit Rating Frameworks
  • Behavioral Scoring and SME Credit Models
  • Early Warning Indicators and Delinquency Patterns
Module 7: Structuring a Credit Proposal
  • Assessing Borrower Needs and Matching with the Right Loan Structure
  • Pricing Credit: Interest Rates, Fees, and Risk-Based Pricing
  • Tenor, Amortization, and Covenants
  • Preparing the Credit Write-Up
  • Credit Decision Approaches (Approval Levels and Committees)
  • Case Studies in Good and Bad Credit Structures
Module 8: Problem Loan Management & Remediation
  • Identifying Early Signs of Credit Deterioration
  • Loan Restructuring Techniques (RA 1508, BSP Rules)
  • Rehabilitation, Liquidation, and Insolvency Framework
  • Collection Strategies and Negotiation
  • Non-Performing Loan (NPL) Management
  • Lessons from Past Credit Failures
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