Courses

The lending industry is undergoing a rapid transformation, with Generative AI (GenAI) at the forefront of innovation. This course, designed specifically for loan officers and lending professionals, provides a hands-on, practical roadmap for integrating GenAI tools across the entire lending workflow—from the first customer interaction to final loan approval and ongoing client management. You’ll learn how to use AI-powered solutions to streamline application intake, automate customer communication, enhance credit risk assessment, review documents for compliance, and optimize workflow automation. The course is structured around real-world scenarios and uses only trial-accessible, user-friendly tools, ensuring that you can immediately apply what you learn without needing a technical or programming background. Through a blend of short instructional videos, interactive labs, and real-world case studies, you’ll gain the confidence to leverage GenAI for faster, more accurate, and fairer lending decisions. You’ll see how AI chatbots and virtual assistants can improve customer experience, how AI-driven credit scoring models can enhance risk assessment, and how document review and compliance can be automated for greater efficiency. The course also addresses the importance of ethical AI use, bias detection, and maintaining regulatory compliance, ensuring that your adoption of GenAI is both responsible and effective. This course is tailored for professionals across the lending and credit evaluation spectrum, including loan officers, underwriters, credit risk analysts, and operations teams focused on process efficiency. It is also ideal for innovation and digital transformation teams within financial services institutions who are exploring practical applications of AI to enhance the lending lifecycle. Whether working at banks, credit unions, fintech startups, or non-bank lenders, participants will benefit from actionable insights into deploying GenAI in real-world lending environments. Learners should have a foundational understanding of loan origination processes, credit analysis methods, and basic credit scoring models. Familiarity with everyday digital tools such as Excel, web applications, and CRM platforms is expected. Additionally, learners should possess basic GenAI literacy, such as experience using tools like ChatGPT, Microsoft Copilot, or similar AI assistants, to effectively engage with course content and hands-on labs. By the end of this course, learners will be able to apply Generative AI tools to streamline loan application intake and enhance customer communication workflows. They will learn how to leverage AI-driven models to support more accurate credit scoring and risk assessments. The course also equips participants to automate and optimize key steps in the lending process while upholding ethical standards, reducing bias, and ensuring regulatory compliance through human-in-the-loop strategies.

Taught by an instructor with decades of experience in lending and credit asset management, this Professional Certificate program equips analysts with the skills they need to advance in the credit risk management field. Find out if you are destined for a career in credit risk analysis with our introductory pricing. Take the first step to a Professional Certificate from the New York Institute of Finance for only $149. Access the first module from Course 1 for free and get introduced to risk management and credit principles. If you decide to advance through the subsequent courses the price will gradually increase by small increments leading you to the final mastery exam and a full Certificate. The total cost for the Professional Certificate is $1,549. Our introductory pricing allows students a low-risk, low-cost way to consider whether Credit Risk is the right career path before deciding to progress. In this professional certificate program, you will gain a solid grounding in credit risk fundamentals with the tools and techniques required to perform a credit analysis utilizing analytical tools to project future performance. This professional certificate is comprised of 4 courses and a final examination: Risk Management and Credit Principles Ratio Analysis Cash Flow Analysis Projections and Structuring Companies use debt for many purposes, including funding for fixed assets, working capital, growth, and investments. The purpose of this professional certificate is to analyze corporate borrowers across broad industry groups to determine whether they are creditworthy and financially stable. In doing so, you’ll gain a deep understanding of the importance of stable and consistent cash flows. To drive concepts home, you will learn how to prepare financial projections and make recommendations about possible financing structures based on financial condition, performance and projections. You will also learn how to structure new debt facilities or funding arrangements based on assessment of risks, projections and outlook. The final course in the program will be the Professional Certification Exam. Those participants who pass the examination will receive a Credit and Credit Risk Analysis Professional Certificate from the New York Institute of Finance (NYIF). An NYIF certificate is a valuable addition to your credentials, proving that you have acquired the work-ready skills that employers value. Free Preview! Access the first module from Course 1 for free. For full course access, upgrade to a verified certificate. NOTE: Completing all 4 parts and then taking the Professional Certificate Examination is MANDATORY to achieve both the NYIF Certificate of Mastery and the edX Professional Certificate in Credit and Credit Risk Analysis. A verified learner must pass all courses in the program with a minimum grade of 70% to earn a Professional Certificate for Credit and Credit Risk Analysis. CPE Credits: 35

Credit and Counterparty Credit Risk Overview“Credit and Counterparty Credit Risk” is designed to provide financial professionals with the expertise needed to effectively assess and manage credit risk within financial institutions. The course covers both borrower and counterparty credit risk, providing a comprehensive understanding of how to measure potential losses.Learners will gain hands-on experience through Excel-based exercises, where they will calculate Expected Loss (EL) using Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD). The course also covers essential counterparty credit risk metrics such as Expected Future Exposure (EFE), Expected Exposure (EE), and Potential Future Exposure (PFE), with practical demonstrations to enhance understanding. By the end of the course, participants will be able to confidently apply these techniques to measure credit risk across various financial transactions.Credit and Counterparty Credit Risk Learning ObjectivesCompare and contrast borrower credit risk and counterparty credit riskMeasure borrower credit risk by calculating Expected Loss (EL) using Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD)Calculate the common counterparty credit risk metrics, namely Expected Future Exposure (EFE), Expected Exposure (EE), and Potential Future Exposure (PFE)List the various risk mitigation techniques for managing both borrower and counterparty credit riskWho Should Take This Course?This course is ideal for financial professionals, risk managers, analysts, and banking professionals who are involved in credit risk assessment, risk management, or financial market transactions. It is also highly beneficial for those looking to deepen their understanding of credit and counterparty risk management techniques, and for individuals preparing for roles that require expertise in assessing and mitigating credit risks within financial institutions.Recommended PrerequisitesMath for Finance ProfessionalsIntroduction to Risk Management5 C’s of CreditDerivatives Fundamentals

Learn everything you need to know about how your credit score works and how to improve it! What you'll learn: A complete understanding of the credit score calculationKnowing who calculates your credit scoreDifferent ways to boost your credit scoreHow to build or rebuild creditHow your credit score can save you thousands of dollarsHow to make your credit score work for you Do you know how your credit score actually works? Did you know that a bad credit score can cost you thousands of dollars? Neither do most people, until they find out the hard way… Information on credit scores isn’t widely taught, even though it’s one of the most important parts of personal finance. And you probably know your credit score is something you should know about, but you’ve just never set aside the time to look into it. Well it’s time to take action. Presenting Credit Score 101: How Personal Credit Works A 1 HOUR COURSE that completely covers all the ins and outs of credit scores. I’m Huntly Mayo- my credit score is over 800 (in the best range possible), and I’m a personal finance blogger and lifestyle entrepreneur. One of my areas of expertise is credit scores, and I’ve put together this quick course to bring you up to speed on everything you need to know on the subject. What you’ll learn in this short but comprehensive class: ·How your credit score is calculated, and by who ·Proven Strategies to boost your credit score! ·How to check your credit score online, completely free ·How to potentially make your credit score work for you ·How to monitor your credit activity, completely free Sign up now to take control of your credit score, and avoid potentially having it cost you thousands of dollars down the line.

Learn How to Lower your bills and Raise Your FICO score What you'll learn: How to reestablish credit after a bankruptcy. •Understanding your credit reportsYour rights and the laws that govern credit reportsHow to maximize your credit score • We live in a time in which credit scoring, specifically FICO scoring, means everything.Your score determines when and if you can purchase a home, when and if you can obtain a credit card and at what interest rate, where you rent or where you live, how much your transportation will cost you, what type of employment you have and how much you pay for insurance.It is virtually impossible not to have your credit score affect you. You would literally have to be living off the grid for credit scoring to not affect you. Not many people can live off the grid.My point with this course is for everyone to be well informed about credit and credit scoring, especially the FICO method. As you will see, the truth will probably open most of your eyes.Even if you have great credit and a great credit score, you will benefit, sometimes immensely. Just by applying some of my principles, you could see your credit score go up significantly.

This Precalculus credit recovery course may be able to provide a way to earn credit for students who have failed their course. Short, engaging video lessons are paired with practice quizzes to test and reinforce the precalculus concepts you've just reviewed.

Credit plays an important role in the lives of many individuals; it’s also a key source of funding for businesses making capital expenditures (CAPEX). In this course, we discuss important lending topics like the difference between traditional loans and trade credit, different types of interest, different types of loans, where collateral security fits in, and how to build an amortization schedule for reducing term debt. We cover an overview of the 5 Cs of Credit framework and how it may influence different loan characteristics before diving into some qualitative assessment tools and a list of the key financial ratios that an analyst would look at when evaluating a company’s creditworthiness. We also take a step back to look at the credit landscape to help learners understand what kinds of career opportunities exist for aspiring credit professionals. Upon completing this course, you will be able to: • Define what credit is and how it’s created. • Identify some of the different career opportunities available to credit professionals. • Compare different types of interest payments and loan characteristics to help inform an appropriate credit structure. • Explain what capital expenditure (or CAPEX) is and how debt financing can support it. • Explain the 5 Cs of Credit framework and how it informs risk assessments. • Identify the important qualitative and quantitative techniques, including key financial ratios used in the risk assessment process. This Fundamentals of Credit course is perfect for any aspiring or early-stage credit professionals, including business and commercial bankers, credit analysts, real estate lenders, equipment finance, loan & mortgage brokers, and other private (non-bank) lenders.

This Chemistry credit recovery course may be able to provide a way to earn credit for students who have failed their course. Short, engaging video lessons are paired with practice quizzes to test and reinforce the chemistry concepts you've just reviewed.

This Physics credit recovery course may be able to provide a way to earn credit for students who have failed their course. Short, engaging video lessons are paired with practice quizzes to test and reinforce the physics concepts you've just reviewed.

This Biology credit recovery course may be able to provide a way to earn credit for students who have failed their course. Short, engaging video lessons are paired with practice quizzes to test and reinforce the biology concepts you've just reviewed.

This Geometry credit recovery course may be able to provide a way to earn credit for students who have failed their course. Short, engaging video lessons are paired with practice quizzes to test and reinforce the geometry concepts you've just reviewed.

Learn how to pull yourself out of bad credit, get started if you have no credit, and keep your credit score high.

Credit Fixed Income Course OverviewIn this Credit Fixed Income course, we will introduce key concepts for credit analysts, investors, and traders. We will explore what is credit fixed income and the nuances of corporate bonds, as well as examine many of the measures of the additional yield that credit products provide. Building upon that foundation, we will look at trading corporate bonds, as well as explain asset swaps, credit default swaps, credit derivatives, credit-linked notes, and first-to-default baskets. By the end of this course, you will have a much deeper understanding of the skills and knowledge that both buy-side and sell-side analysts need to be successful in credit markets. Credit Fixed Income Learning Objectives Upon completing this course, you will be able to:Describe key characteristics of corporate bonds, from liquidity preference and coupon type, to offering formats, and provisionsAppreciate the corporate bond issuer landscape from a trader/investor’s perspective, being able to speak to the various industry categories and provide examples of significant market playersDiscuss the key quantitative measures (i.e. types of spreads) used in reference to bonds by industry professionalsUnderstand the mechanics of credit spreads and their relationships to each otherIdentify specific credit products that can provide investors additional yield and explain why these products can provide incremental returns in relation to others (‘relative value’) Who Should Take This Course?This Credit Fixed Income course is perfect for anyone who would like to develop a deeper understanding of spread products in fixed income. For the individual wanting to gain more breadth in corporate bonds and credit derivative product knowledge, this course explores a diverse range of topics on spread products from bonds to credit derivatives.This course is designed to equip anyone who desires to begin a career in the capital markets on a fixed income desk or to help prepare for career advancement from junior to more senior fixed income trading or sales positions.

Fundamentals of Credit Course Overview Credit plays an important role in the lives of many individuals; it’s also a key source of funding for businesses making capital expenditures (CAPEX). In this course, we discuss important lending topics like the difference between traditional loans and trade credit, different types of interest, different types of loans, where collateral security fits in, and how to build an amortization schedule for reducing term debt. We cover an overview of the 5 Cs of Credit framework and how it may influence different loan characteristics before diving into some qualitative assessment tools and a list of the key financial ratios that an analyst would look at when evaluating a company’s creditworthiness. We also take a step back to look at the credit landscape to help learners understand what kinds of career opportunities exist for aspiring credit professionals. Fundamentals of Credit Learning Objectives Upon completing this course, you will be able to: Define what credit is and how it’s created.Identify some of the different career opportunities available to credit professionals.Compare different types of interest payments and loan characteristics to help inform an appropriate credit structure.Explain what capital expenditure (or CAPEX) is and how debt financing can support it.Explain the 5 Cs of Credit framework and how it informs risk assessments.Identify the important qualitative and quantitative techniques, including key financial ratios used in the risk assessment process. Who should take this course? This Fundamentals of Credit course is perfect for any aspiring or early-stage credit professionals, including business and commercial bankers, credit analysts, real estate lenders, equipment finance, loan & mortgage brokers, and other private (non-bank) lenders.

The Credit Analysis Academy is a 14-hour intermediate course that equips learners with the skills to evaluate bonds, analyze financial statements, interpret credit ratings, and calculate default probabilities. Through hands-on exercises, case studies, and a capstone project, participants will gain practical expertise in fixed income analysis, credit risk assessment, and portfolio management strategies. Taught by finance professor and industry consultant Dr. Michael McDonald, whose work has supported firms like Microsoft, PIMCO, and Morgan Stanley, the course blends academic rigor with real-world application to prepare learners for roles in investment and corporate finance.

Commercial Credit Underwriting | Lending & Commercial Credit | Financial Analysis | Credit Risk | Foundations What you'll learn: Understand the process of credit analysis including risk identification, analysis and mitigationBuild and apply finance skills to analyze business, financial and structural risksIdentify the appropriate information requirements for analysis and underwritingimplement a structure for business risk analysis from macro, industry, and company-specific levels of detailApply industry and company specific risk analysis tools (including the BCG Matrix and Porter’s 5 Competitive Forces)Analyze the key functional areas of a business, including through a SWOT analysisDig into a company’s key financial statements (including income statement and balance sheet)Analyze financial statements and other relevant data to assess the creditworthiness of a borrower.Determine appropriate credit risk categories and ratings for a borrower based on a thorough credit analysis.Evaluate the feasibility of a credit request, taking into account the borrower's industry, market conditions, and other relevant factors.Recommend credit decisions and lending terms based on the results of a credit analysis and risk assessment. A comprehensive course designed to furnish credit professionals to make commercial lending decisions based on "conclusion-based" analysis. Participants will develop their analytical skills through the application of a logically structured framework which we present. Starting with the identification of the deal and credit structure, it logically works through the analysis process from business risk to financial risk then to structural risk. In addition, it will compare and contrast different industry dynamics. This course contains 42 lectures across 8 sections, introducing and then covering each concept in-depth and providing examples. More about this course and StarweaverThis course is led by a seasoned commercial and corporate credit industry practitioner and executive with many years of hands-on, in-the-trenches risk analyst work. It has been designed, produced and delivered by Starweaver. Starweaver is one of the most highly regarded, well-established training providers in the world, providing training courses to many of the leading financial institutions and technology companies, including:Ahli United Bank; Mashreqbank; American Express; ANZ Bank; ATT; Banco Votorantim; Bank of America; Bank of America Global Markets; Bank of America Private Bank; Barclay Bank; BMO Financial Group; BMO Financial Services; BNP Paribas; Boeing; Cigna; Citibank; Cognizant; Commerzbank; Credit Lyonnais/Calyon; Electrosonic; Farm Credit Administration; Fifth Third Bank; GENPACT; GEP Software; GLG Group; Hartford; HCL; HCL; Helaba; HSBC; HSBC Corporate Bank; HSBC India; HSBC Private Bank; Legal & General; National Australia Bank; Nomura Securities; PNC Financial Services Group; Quintiles; RAK Bank; Regions Bank; Royal Bank of Canada; Royal Bank of Scotland; Santander Corporate Bank; Tata Consultancy Services; Union Bank; ValueMomentum; Wells Fargo; Wells Fargo India Solutions; Westpac Corporate Bank; Wipro; and, many others.Happy learning.

Credit Repair: A step-by-step plan to begin improving your credit within one hour of starting! Over 7,300 students! What you'll learn: Elevate credit status and credit score fast and effectively.Understand how financial decisions and actions affect the credit score. By far, theNUMBER ONE credit repair course on Udemy! Over 7,300 students and 5005-star reviewscan't be wrong. This award winning course has received the exceptional Udemy certified "BEST SELLER" and "HIGHEST RATED" status for ten straight years.UPDATE: We have been asked why other courses provide many dispute letter templates and we don't. The answer is that WE TEACH YOU HOW TO WRITE YOUR OWN DISPUTE LETTERS. You don't want the person reading your dispute letter to have already received several that look just like it. You want yours to stand out from all the others. While templates are an easy shortcut, easy shortcuts are not always effective. After all, you are willing to pay for a course and put in the work to get RESULTS, so don't cut corners on one of the most important tools in your arsenal, the dispute letter. LATEST: Course updated for 2025! CONSTANTLY EXPANDED: 5 new lectures added! Now with 49 lectures of content!Learn everything you need to start improving your credit today. Put yourself in the position to buy your dream home, get a new car, or qualify for a business loan.Your credit status is your most important financial asset. If you take care of it, it will take care of you, even in areas you have never thought about. Of course it can affect your ability to get a loan for a car or a home (and the interest rate), but it can also affect many other areas of your life such as getting a job, an apartment, bail, or even a cell phone.In this course, we'll figure out, together, the areas where your credit can be improved, start repairing them, and lay out a working plan for issues that need a longer term to fix. Written in a way that can be understood by anyone, THIS COURSE WILL ALLOW YOU TO BEGIN IMPROVING YOUR CREDIT QUICKLY, EASILY, AND ACCURATELY. No complicated jargon, no sleep inducing explanations, and no long-winded details unrelated to your situation.Written by best-selling author and expert, Craig Randall - "For 25 Years, The Credit Repair Coach!" Finally a course that will teach you step-by-step how to fix your credit immediately. You can actually begin the credit repair process within an hour of beginning this course.Already up to date with 2025tools, tricks and standards! Included in the video courseare many screen shots, images and diagrams to help you follow the EXACT, MISTAKE-FREE path to improving your credit. By far, this is the NUMBER ONE selling Udemy course on credit repair!You will also learn about repairing specialty areas such as foreclosures, bankruptcies, late payments, medical bills and other areas that damage credit. And finally, you will learn how to build good financial habits that will continue to improve your credit for the rest of your life. At the end of this course, you will have the knowledge, experience and tools to achieve a high credit score.No Risk: 30 day money back guarantee!Learn Anytime: Lifetime AccessLearn Anywhere: Computer, iPhone, iPad and AndroidGet Recognition: Course Certificate

This course provides a structured introduction to evaluating credit quality in corporate issuers. Learners examine credit risk fundamentals, the role of credit ratings, the “4 Cs” of credit analysis, and key financial ratios used to assess borrower risk and bond pricing. Through practical examples, participants learn how analysts interpret credit metrics to inform lending, investment, and risk management decisions. Designed for professionals across front, middle, and back-office functions—or those aspiring to such roles—this course benefits individuals in lending, fixed income investment, operations, or risk assessment. No prior credit analysis experience is required; the program builds from foundational concepts to applied analytical techniques. By the end, learners will be able to explain credit risk, analyze financial statements, interpret credit ratings, and compare bonds by credit quality—skills essential for informed decision-making in diverse market conditions.

Explore the fundamentals of credit networks in this comprehensive tutorial presented by Aniket Kate from Purdue University at the 23rd ACM Conference on Computer and Communications Security (CCS 2016). Delve into the core concepts and applications of credit networks over the course of 1 hour and 18 minutes. Gain valuable insights from this lecture, which took place at the prestigious Hofburg Palace in Vienna, Austria, as part of the conference organized by SBA Research. Enhance your understanding of this crucial topic in computer and communications security, and discover how credit networks are shaping the future of secure transactions and trust systems.

This Algebra II credit recovery course may be able to provide a way to earn credit for students who have failed their course. Short, engaging video lessons are paired with practice quizzes to test and reinforce the algebra concepts you've just reviewed.