This beginner-friendly course provides a structured foundation in credit research analysis and credit ratings, equipping learners with the skills to make informed financial decisions. Across two modules, students will analyze the credit research process, evaluate credit rating agency functions, and differentiate between types, advantages, and limitations of ratings in global markets.

In the second module, learners will apply advanced risk models such as the KMV Model and Altman Z-Score to measure default probability and bankruptcy risk. They will also assess how banks evaluate companies using financial statements, cash flow strength, and repayment history, while examining the broader role of credit research in building transparency, protecting investors, and supporting modern financial systems. By the end of the course, learners will be able to confidently interpret, assess, and apply credit research insights to real-world financial and banking scenarios, making it an essential starting point for careers in finance, investment, or risk management.