5 Cs of Credit

5 Cs of Credit overview

In this 5 Cs of Credit course,  we will explore the 5 characteristics that lenders use to assess the overall creditworthiness of potential borrowers: Character, Capacity, Capital, Collateral, and Condition.

We will explain each of the 5 Cs in details including:

• The definition of each characteristic
• The importance of this characteristic in credit application process
• How to access the characteristic using different tools and resources

At the end of each chapter, we will put it all together in a case study. You will read the results of a company’s management assessment, financial analysis, business and industry analysis, and identify the strengths and weaknesses of this company’s credit.

5 Cs of Credit learning objectives

Upon completing this course, you will be able to:

• Explain each characteristic in the 5 Cs of credit framework
• Identify the key credit strengths and weaknesses of a company by examining various sources of information
• Discuss how the 5 Cs of credit are used to assess the borrower

5 Cs of Credit is a required course of CFI’s CBCA® program

CFI’s Certified Banking & Credit Analyst (CBCA)® Program offers skills include credit evaluation, documentation, and review procedures. For beginners to advanced users, the CBCA® program is designed to help you become a world-class credit analyst.

Who should take this CBCA® course?

This 5 Cs of Credit course is perfect for any aspiring credit analysts working in insurance, underwriting, rating agencies, commercial lending, corporate credit analysis, and other areas of credit evaluation.