Become a Commercial Banking
& Credit Analyst (CBCA)®

Advance your career with the essential knowledge and skills you'll gain from a commercial lending and banking certification
  • 50+ courses, 19 required to earn your certificate in banking & credit analysis
  • Skills: Financial Analysis, Credit Structure, Documentation, Business Analysis, Credit Risk, Industry Analysis, and more
  • Career paths: Commercial Lending, Credit Analysis, Risk Management, Credit Auditing, Rating Agencies, Real Estate Lending, and more
CFI Certificate CBCA
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CBCA® At a Glance

CFI’s Commercial Banking & Credit Analyst Certification Program teaches essential skills for starting or advancing a commercial lending career. Learn to underwrite better, more profitable deals.

Our purpose-built curriculum — including 50+ banking certification courses, case studies, and a library of resources such as financial models and risk assessment tools — will support your growth as a commercial banker, a credit analyst, a risk manager, or a private lender, including commercial real estate and equipment finance.

CFI’s comprehensive commercial banking training program covers financial analysis, credit structuring, and a wealth of qualitative skills, such as management and industry analysis, effective business and credit writing, and sales and relationship management best practices like generating qualified leads and converting them into new business opportunities. Become a world-class commercial lending professional today!

What's in the Commercial Banking & Credit Analyst Program?

58 courses

Consisting of 2680+ lessons

310+ interactive exercises

Learn by doing with guided simulations

Expert instructors

Learn from the very best

New courses monthly

On need-to-know subject matter

Blockchain certificate

To verify your skills

500,000+ 5-star ratings

Best-in-class training, as rated by you

Earning Your Commercial Banking & Credit Analyst Certification

Step 1: Prep Courses Optional

To prepare for the program, choose from 11 optional prep courses to learn or review the credit and lending fundamentals.

Careers in Commercial Banking
Level 1
1 hours
Preview Course
Introduction to Banking
Level 1
2 hours
Preview Course
Banking Products and Services
Level 1
4 hours
Preview Course
Accounting Fundamentals
Level 2
5 hours
Preview Course
Forms of Business Structure
Level 1
1.5 hours
Preview Course
Fundamentals of Credit
Level 1
2 hours
Preview Course
Analyzing Growth Drivers & Business Risks
Level 1
2 hours
Preview Course
Excel Fundamentals - Formulas for Finance
Level 2
3.5 hours
Preview Course
Vertical IQ Fundamentals
Level 2
1.5 hours
Preview Course
Pitch Deck Essentials for Lenders
Level 1
2 hours
Preview Course
Introduction to Agribusiness
Level 1
1.5 hours
Preview Course
See All Prep Courses

Step 2: Core Courses

Complete 16 core courses to build a strong foundation in credit analysis and loan underwriting.

5 Cs of Credit
Level 2
1.5 hours
Preview Course
Reading Business Financial Information
Level 2
3.5 hours
Preview Course
Assessing Drivers of Business Growth
Level 2
2 hours
Preview Course
Evaluating a Business Plan
Level 2
3 hours
Preview Course
Assessing Management
Level 2
2.5 hours
Preview Course
Cash Flow Cycles and Analysis
Level 3
2.5 hours
Preview Course
Financial Analysis for Credit
Level 3
7.5 hours
Preview Course
3-Statement Modeling
Level 4
6.5 hours
Preview Course
Loan Security
Level 3
2 hours
Preview Course
Loan Covenants
Level 3
3 hours
Preview Course
Credit Administration and Documentation
Level 3
1.5 hours
Preview Course
Loan Pricing
Level 4
4 hours
Preview Course
Account Monitoring and Warning Signs
Level 3
2 hours
Preview Course
Effective Business Writing
Level 2
2.5 hours
Preview Course
Completing a Credit Application
Level 3
2 hours
Preview Course
Professional Ethics
Level 1
3 hours
Preview Course
See All Core Courses

Step 3: Elective Courses

Choose a minimum of 3 electives (out of 25) to explore more advanced topics and specialized lending concepts.

Commercial Mortgages
Level 4
5 hours
Preview Course
Lending to Complex Structures
Level 3
4.5 hours
Preview Course
Retail, Restaurant, & Franchise Lending
Level 3
4 hours
Preview Course
Equipment Finance
Level 3
3 hours
Preview Course
Syndicated Lending
Level 3
3.5 hours
Preview Course
Construction Finance Fundamentals
Level 3
2.5 hours
Preview Course
Commercial Banking - Debt Modeling
Level 4
4.5 hours
Preview Course
Real Estate Fundamentals
Level 3
3 hours
Preview Course
Asset-Based Lending & Alternative Finance
Level 4
5 hours
Preview Course
Venture Debt
Level 4
4.5 hours
Preview Course
Private Banking
Level 3
4 hours
Preview Course
Lending to Medical Professionals
Level 3
4 hours
Preview Course
Profitable Lead Generation
Level 3
4.5 hours
Preview Course
ESG for Commercial Lenders
Level 4
3.5 hours
Preview Course
Problem Loans
Level 3
3.5 hours
Preview Course
Converting Leads to Customers - Negotiation & Closing
Level 3
3 hours
Preview Course
Trade Finance
Level 3
2.5 hours
Preview Course
Operational Modeling
Level 3
8 hours
Preview Course
Corporate & Business Strategy
Level 3
7.5 hours
Preview Course
FP&A Monthly Cash Flow Forecast Model
Level 3
3 hours
Preview Course
Mergers & Acquisitions (M&A) Modeling
Level 4
8 hours
Preview Course
Securitized Products
Level 4
3.5 hours
Preview Course
Origination Fundamentals - Debt Capital Markets Perspective
Level 2
4 hours
Preview Course
Cash-to-Accrual Accounting
Level 2
2 hours
Preview Course
Agriculture Lending Fundamentals
Level 3
2.5 hours
Preview Course
See All Elective Courses

Step 4: Case Study Challenges Optional

These case study challenges allow you to apply your knowledge and skills by solving real-world problems.

Woodchucks Ltd. - Owner Occupied Commercial Real Estate
Level 4
5 hours
Preview Course
RockCrusher Rentals
Level 4
5 hours
Preview Course
Rocky Mountain Holdings Ltd. - Commercial Mortgage
Level 4
5 hours
Preview Course
Modeling Taxes for Different Business Structures
Level 2
1.5 hours
Preview Course
Widgets Inc. - Adjusting a Business Owner’s Net Worth
Level 2
1.5 hours
Preview Course
Boss Brewing Inc. – Connecting Capital Structure & Credit Structure
Level 3
1.5 hours
Preview Course
See All Case Study Challenges

Step 5: Final Exam

After completing the required courses, take a final exam in credit and lending (with a minimum passing grade of 70%) to earn your program certification.

Step 6: Get CBCA® Certified

Congratulations! Upon completion of the program, you will receive a blockchain digital certificate with your new credentials. You also have the option to order a physical certificate to be mailed to your door.

CFI Certificate CBCA

Skills & Learning Objectives in Banking & Credit Analysis

CBCA Piechart

Financial Analysis

See Details
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    Understand and project cash flow cycles and a borrower’s working capital funding gap

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    Build a dynamic, logically designed, well structured, 3-statement financial model

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    Calculate a borrower risk rating based on historical financial results

Credit Structure & Documentation

See Details
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    Recommend appropriate lending structures based on client needs, within the context of the financial institution’s credit policies

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    Explain the administrative process behind credit documentation and work with specific examples of loan agreements and guarantees

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    Complete a formal credit application, step-by-step

Management & Business Analysis

See Details
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    Identify best practices and strategies to assess a business’s management team

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    Interpret and analyze a borrower’s business plan

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    Compare different business structures and define the unique risks associated with lending to each

Risk Management

See Details
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    Recommend collateral security structures to mitigate the risk of loan loss for a lender

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    Define different loan covenants and recommend appropriate uses

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    Identify early warning signs with potential problem accounts

Industry Analysis

See Details
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    Explain how macroeconomic factors may affect a borrower’s ability to service debt obligations into the future

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    Recommend adjustments to credit structures based on industry-specific risks

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    Explore industry data providers for sources of benchmarking information

Courses Taught by Banking & Credit Experts

Expert Lisa Dorian
Lisa Dorian
Lisa is Co-Founder, and previously Managing Director and Chief Risk Officer, of CFI. She has extensive experience in governance, risk, and compliance, as well as business processes and strategy. A former finance executive, Lisa switched careers to focus on her passion in education and has designed, developed, and delivered training programs globally for financial institutions such as Royal Bank of Canada, Deutsche Bank, JPMorgan Chase, and Zurich Insurance, to name a few. She has also helped clients implement award-winning enterprise risk management frameworks.
Expert Kyle Peterdy
Kyle Peterdy
Kyle’s background is in commercial banking, where he was responsible for originating and underwriting middle market credit transactions, as well as managing those client relationships. Kyle has worked with multiple North America-based, diversified portfolios, with industry experience including corporations in manufacturing, technology and e-commerce, hospitality, and professional services sectors. His credit experience ranges from general operating and term lending to project-based construction financing and succession transactions.
Expert Tim Vipond
Tim Vipond
Tim is the Chair of the Board of CFI Education with an extensive background in entrepreneurship, financial analysis, and investment banking. Since 2005, Tim has been an active participant in capital markets across a wide range of industries and transactions including mergers, acquisitions, divestitures, and capital raising totaling more than $3 billion in value.
Expert Scott Powell
Scott Powell
Scott is the Co-Founder and Chief Content Officer of CFI. Over the past 30 years, he has focused on designing and delivering learning solutions for clients in the financial services sector, particularly in the areas of commercial banking, investment banking, capital markets, and asset management. Some of the organizations Scott has worked with over his career include ATB Financial, Bank of America Merrill Lynch, BCI, Credit Suisse, Coast Capital Savings, Deutsche Bank, Glenview Capital, HSBC, ING, Intact Insurance, JP Morgan, Royal Bank of Scotland, TD, and many others.
Expert Gabriel Lip
Gabriel Lip
Gabe is a subject matter expert at CFI and was a commercial lender at TD Bank with 15 years of experience. He recently managed a $100 million portfolio of higher-risk and non-performing credits at the restructuring and insolvency group. Gabe has worked with a broad portfolio of public and private clients, including large auto dealerships, logistics/transportation services, manufacturing, retailing, professional services, and agriculture operators. He is passionate about education and training and developing the next generation of lenders.

The CBCA®️ program has upskilled teams at:

westpac logo
bank of china logo
citi bank logo
ford logo
deutsche bank logo
hsbc logo
bank of america logo

Careers in Commercial Banking & Credit

Commercial Loan Officer

Work with owner-operators and C-level executives on behalf of financial institutions to manage borrowing.

Risk Manager & Credit Adjudicator

Assess and approve transactions for banks and other financial institutions.

Commercial Loan Broker

Analyze and package deals more effectively to facilitate quicker turnarounds and better terms for clients.

Credit Analyst

Expand your knowledge and expertise to work in corporate or commercial banking, as well as rating agencies.
Career options CBCA

Private Lender

Work with capital providers and family offices to underwrite more effective credit transactions, including commercial real estate financing and asset-based lending.

Trust Our CFI-Certified Alumni on LinkedIn

Ihor Kukhar
Ihor Kukhar
Financial Modeling and...
After 6 months of studying, 19 courses, and over 900 lessons, I have finally completed Corporate Finance Institute® (CFI)’s Certification Program. I would definitely recommend it to anyone that is looking to get a deeper insight into Valuation, Modeling, and...
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Michael Kuzio
Michael Kuzio, MSc
World Bank Group
CBCA allowed me to further reinforce my understanding of the credit cycle both from a banking and corporate standpoint. This 60-hour program covers some of the most critical knowledge and skills required for Corporate Bankers & Credit Analysts including Credit...
Read more
Maciej Nowak
Maciej Nowak, FMV...
Freelance Credit Analyst
Thank you Tim Vipond, FMVA® and Corporate Finance Institute® for Business. Your Certified Banking & Credit Analyst (CBCA)®️ Certification course is unlike any other corporate credit analysis course I have taken (working in the field since 2007). It covers a...
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Marcos Vinícios Fleming Bicalho
Marcos Vinícios F...
Certified Banking & Cr...
I just completed the certification "Certified Banking & Credit Analyst (CBCA)®️" from the Corporate Finance Institute®, and I am starting their Machine Learning in Python courses. I am very impressed with the quality of their courses, and how awesome and...
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Stephen Moerane
Stephen Moerane
Director Of Special Pr...
Today marks a very important milestone in my educational journey. I have been looking for a way to get into Finance but hadn't been able to identify a credential that would do the job without interrupting my work schedule. Thank...
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German Rivera Pereyra
German Rivera Per...
Corporate Finance Chief
After almost six months of courses, finally I have achieved the #FMVA ( Financial Modeling and Valuation Analyst) Certificate from Corporate Finance Institute® (CFI) . I want to thank Tim Vipond, FMVA® Scott Powell and all people from Corporate Finance...
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The Complete CBCA® Program is Included in Your CFI Membership

Self-Study
USD $497 / year
Full Immersion
USD $847 / year
On-Demand Learning Experience
CFI's accredited certification programs
150+ courses, 5,000+ lessons and labs
300+ CPE credits
Guided case studies
Downloadable models, templates, and guides
Quizzes, assignments, and certification exams
Digital blockchain-verified certificate
Real-World Finance Tools
Macabacus productivity add-in, $300 value Tooltip
Personalized model review and feedback Tooltip
Resume and cover letter review Tooltip
Access to an intelligent, AI-powered chat widget integrated into your course experience
Self-Study
USD $497 / year
Enroll Now
Full Immersion
USD $847 / year
Enroll Now

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Frequently Asked Questions

Can I download the Excel files and financial modeling templates?
Yes! You can download and edit the Excel models and templates included in your courses. All of the files needed in a course are available for download. Please note that while our study materials can be downloaded, the lecture videos are only available online due to copyright infringement issues.
How long do I have to complete the course?
Take as much time as you need. You will have access to all courses and all future upgrades in your subscription. You can review the video lessons as many times as you like and complete the courses at a pace that is most convenient for you.
Are CFI courses verified?
CFI is accredited by the Better Business Bureau® (BBB) to maintain training standards, and by the CPA Institutions in Canada, and the National Association of State Boards of Accountancy (NASBA) in the US for CPE credits. You can find more information here.
Are there additional fees or costs?
None! The program tuition includes everything and there are no additional fees required to earn your digital certification.
What currency are your courses priced in?
All of our online courses and programs are priced in USD.
How do I earn my certificates?
You need to complete all the video lessons, quizzes, and final assessments in each course to earn your course certificates. The certificate will then be available on your learner dashboard and also emailed to you as soon as you have completed all of the requirements.
How are the exams conducted?
Learners are required to complete an online assessment (MCQ's, Fill-in-the-Blanks, and Excel Questions) at the end of each course. You can take the exams at your own schedule and will need to earn at least 80% to pass the course and earn your certificate of course completion. Please note that course exams can be repeated as many times as you need. Learners are also required to complete the CBCA®️ final exam to earn their certification. See here for more details on the CBCA®️ final exam
Can I email the instructor if I have questions?
While the courses are designed mainly for self-study, we are happy to provide email assistance for general or technical support inquiries. The Full Immersion bundles include a premium email support function which allows you to communicate directly with in-house experts in the area of study you are focusing on. This is one of the key features that sets the Full Immersion bundle apart and makes it a worthwhile upgrade over the more affordable self-study bundle.
Will these courses help me advance my career?
Reviews from learners who have taken CFI courses and the CBCA® certification program include numerous stories about how people have been able to advance their careers. There is a proven track record of CFI graduates making successful transitions into the careers of their dreams and this is based largely on the resources that we make available to our learners upon enrollment. Our training is designed to be fully practical and simulates the experience of being trained as a professional financial analyst. Additionally, we offer a wealth of information through our free career resources. The unique blend of all these elements is what sets us apart from other eLearning platforms when it comes to giving you all the tools you need to create a successful career in commercial lending.
More questions?
You can view more detailed information through our Help Center or simply Email Us and we'll be happy to answer any of your questions!

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