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Credit

Credit analysis resources, loans, bonds, and other fixed-income concepts...

Credit Resources, Articles, and Templates

Credit is an important financing option for both business and individuals. Knowing the different types of credit instruments available, their characteristics, yields and other important credit and fixed-income topics. Credit Analysis can be a complex and daunting process, and CFI’s guides were created to ease your understanding. These resources are designed for those who want to become a world-class credit analyst. Learn at your own pace by reading the guides, which include applied examples, step-by-step breakdowns, video instructions, and templates. To learn more, check out CFI’s Credit Analyst Certification program.

 

 

Learn Credit Analysis Online

This resources library is designed to help you learn credit analysis online. Each article can stand on its own, and you can read through them in whatever order you please. By making your way through these resources you’ll learn the important skills every credit analyst needs to excel on the job.

To take your career to the next level, check out CFI’s Commercial Banking & Credit Analyst (CBCA)™ program!

 

CBCA Credit Analyst Certification Certificate

 

Browse all Resources…

5 Cs of Credit

What are the 5 Cs of Credit? The “5 Cs of Credit” is a common phrase used to describe the five major factors used to determine a potential borrower’s creditworthiness. Financial institutions use credit ratings to quantify and decide whether an applicant is eligible for credit and to determine the interest rates and credit limits...

Credit Analysis

What is Credit Analysis? Credit analysis is the process of determining the ability of a company or person to repay their debt obligations. In other words, it is a process that determines a potential borrower’s credit risk or default risk. It incorporates both qualitative and quantitative factors. Credit analysis is used for companies that issue...

Credit Analysis Ratios

What are Credit Analysis Ratios? Credit analysis ratios are tools that assist the credit analysis process. These ratios help analysts and investors determine whether individuals or corporations are capable of fulfilling financial obligations. Credit analysis involves both qualitative and quantitative aspects. Ratios cover the quantitative part of the analysis.  Key ratios can be roughly separated...

Bridge Loan

What is a Bridge Loan? A bridge loan is a short-term form of financing that is used to meet current obligations before securing permanent financing. It provides immediate cash flow when funding is needed but is not yet available. A bridge loan comes with relatively high interest rates and must be backed by some form...

Cash Credit

What is Cash Credit? A Cash Credit (CC) is a short-term source of financing for a company. In other words, a cash credit is a short-term loan extended to a company by a bank. It enables a company to withdraw money from a bank account without keeping a credit balance. The account is limited to...

Bonds

What are Bonds? Bonds are fixed-income securities that are issued by corporations and governments to raise capital. The bond issuer borrows capital from the bondholder and makes fixed payments to them at a fixed (or variable) interest rate for a specified period.     What is an Indenture? An indenture is a binding contract between...

Bond Ratings

What are Bond Ratings? Bond ratings are representations of the creditworthiness of corporate or government bonds. The ratings are published by credit rating agencies and provide evaluations of a bond issuer’s financial strength and capacity to repay the bond’s principal and interest according to the contract.     The three private independent rating agencies –...

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