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Overview

5 Cs of Credit Overview

In this 5 Cs of Credit course, we will explore the five characteristics 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 detail, including:

The definition of each characteristic
The importance of this characteristic in the 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

Who should take this 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.

5 Cs of Credit

Led by Scott Powell

Get Started

Level 2

Approx 1.5h to complete

100% online and self-paced

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What you'll learn

Lesson

Multimedia

Exams

Files

5 Cs of Credit Introduction

Introduction Free Preview

5 Cs of Credit Overview Free Preview

Learning Objectives Free Preview

Downloadable Files

Character

Character Overview Free Preview

Assessing the Company

Assessing the Management Team

Interactive Exercise 1

Assessing Character - Case Study

Assessing Character Solution

Capacity

Capacity Overview

Analyzing the Cash Flow Statement

Analyzing the Drivers of Profitability and Growth

Analyzing the Drivers of Profitability and Growth Part 2

Interactive Exercise 2

Assessing Capacity - Case Study

Assessing Capacity Solution

Capital

Capital Overview

Adequacy of Working Capital

Leverage of the Company

Other Sources of Capital

Interactive Exercise 3

Assessing Capital - Case Study

Assessing Capital Solution

Collateral

Collateral Overview

Assessing the Quality of Collateral

Interactive Exercise 4

Assessing Collateral - Case Study

Assessing Collateral Solution

Condition

Condition Overview

Assessing Industry Attractiveness

Assessing the General Business Environment

Assessing Competitive Positions

Loan Contract and Requirements

Interactive Exercise 5

Assessing Condition - Case Study

Assessing Condition Solution

Conclusion

Qualified Assessment

This Course is Part of the Following Programs

Why stop here? Expand your skills and show your expertise with the professional certifications, specializations, and CPE credits you’re already on your way to earning.

Commercial Banking & Credit Analyst (CBCA)® Certification

5 Cs of Credit Course is part of the Commercial Banking & Credit Analyst (CBCA)® certification, which includes 59 courses.

Skills Learned Financial Analysis, Credit Structuring, Risk Management
Career Prep Commercial Banking, Credit Analyst, Private Lending

Learn More

What our students say

The course is very nice and the system is user-friendly. thank you

Mengistu Yichale Awlachew

The 5 C's of credit material was informative and included many interesting sectoral sections.

Ahmed Maher Galal Elhageen

Best course
The course you most like.

Sileshi Bekele

I advice to all who have a communication with a loan facility to take this course to improve what expected from borrower and what shall seen as an evaluator

Yared Bekele

Great real world case study approach to learning
This course taught the major principles, step by step, with each step accompanied by analysis of the same real world case. This is the only real way to learn how to actually assess a company.

Elizabeth Alexander

Great Experience
Engaging and well curated course

Muhammad Kyagulanyi

Great course for credit analysts
Delivered in a practical manner

Hendrik Nattler

Great class
Thorough and detailed, but in bite sized portions so the brain is not overwhelmed. Loved the interactive games and the case study.

Sarah Miller

Just pay attention, this course is really digerible and easy to understand all of the topics.

DIEGO VELAZQUEZ JAIMES

Preparation for an interview
Great prep course for a business banking credit analyst role (currently working as a management accountant). Loved the course, very easy to understand.

Ryan Hastie

Great
Great content and mode of delivery. Simple and straight to the point.

Isaac Audu Agbor

Thorough and challenging learning experience
I'm a finance major, and I'm continually amazed at how much I am learning and retaining from these courses!

Laura McRae

Informative and insightful. Learning transferable skills through CFI increases my confidence to conquer work challenges, which rewards my career to greater heights.

Maria De Los Reyes

Great material delivery

Felicia Fortuna

Needs to be more questions throughout the course.

will farrell

Love it
Learn a lot about the fundamental of 5cs which help me to be better when it comes to assesing and analyze a credit

Arvin winatha

Great learning experience

Chiquita Hanna-Bowleg

Nice one
Good information on credit

Rahul Srivastava

Relevant
The course is very informative and relevant to anyone!

Joshua McDonald

5 C's of Credit Instructs You Puts You Out on a Limb and Says Fly
5 C's of Credit was very well-taught, and the case study reveals how much you actually learned as well as how much you still have to learn by throwing you out on a limb and telling you to start flying. Despite being humbled by the experience, I feel motivated to keep going and keep studying rather than walking away feeling dejected or disappointed. It was great learning experience overall.

Brian Canada

Good course
The course is very basic, but so is the topic.

Caio Cardozo

AWESOME
This is a reminder on work points to strengthen the business.

Victor Musonda

Eye Opener
It is a nice introduction to credit assessment.

Obonye Bonnie Modiakgotla

It cover important factors in credit administering
It cover important factors in credit administering

Julius Anuolu Oloyede

Easy to understand. Clear examples and illustrations.

Hylton Levi

I LOVE THE EXPERIENCE
I LOVE THE EXPERIENCE

SELLASSIE KWETEY

Nicely Delivered; The best course for all
It is a perfectly designed course. Every business-minded person and professional should attend this course to enhance his understanding of credit analysis and what one should see before applying for a loan.

Yaseen Ghori

Please dont keep final exams

Deepika Parag Ganu

Insightful
Really enjoyed this. I've learnt a lot and I am sure it will help me with more advanced courses.

Samuel Boamah

Amazing
I recommend this course!

Benjamin Olubunmi Oladapo

Refreshing
It was enjoyable and refreshing to recall important concepts

MOHAMEDRAZA ANVERALI PARDHAN

Excellent modules and courses!
I love how detailed are the modules and how well-explained they are!

Marco Dal Cin

great!
it’s a great course looking forward to more

Fahad Alazzaz

Great
an awesome learning experience

Angela Jepkosgei

Excellent Delivery
Truly eye opening account and excellent delivery of explaining 5 Cs of Credit

Tabona Butale

Excellent Learning
The course content is very informative and excellent.Great Learning

Uday Doyal

Excellent content
The course is very detailed and practical

Yusuf Abdullateef

Great!
I really enjoyed this course.

Enoch Offei

good
good to be part of the community.

Wondowosun Girma

Good experience
I recommand this course to anybody

Ivan DEFFO

very good beggining of a credit analyst
very good beggining of a credit analyst

Hossam Mahmoud

Very interesting experience
Great experience learning with CFI

Vincent Njoroge

Great Learning Tool
Awesome material for CB

Ashley Lolley

Informative
It is highly recommended

Motolani Daramola

the experience was awesome
i will advice finance student to take advantage of this great privilege

Moses Isaac

CFI is the only source of financial knowledge
Dear learners, please one thing is clear. Corporate Finance Institute (CFI) is the only source of knowledge you should visit. Try to take all the courses in the CFI portal. It is easy and user friendly portal where you can scroll it 360 degrees you want. Pay attention and pay the fees. It will clearly pays you off. Invest in yourself with little amount and grab opportunities of financial job where your investment return exceeds your initial initial capital.

Atinafu Asefa

It was great
I really recommened you to take this coures

Haneen Alolayani

Information worthwhile

Abdulmohsen Almahwari

Awesome Course!
Instructor was clear and concise with easy to follow video's and instructions. The ability to work at your own pace and take notes helped tremendously.

Vandeth Thong

great material
just be attentive. the videos have all the necessary information

Evelyn Pachawo

Good Course
Would recommend to anyone

Thabo Mokotso

Informative and rich in content.

Ndumiso Dlamini

Information
Straight forward easy to understand

Aquruss Salvador

Good stuff
I love learning and this helps.

Brock J. Brady

The Course content was so easy to understand and follow through
A great lesson to learn and acquire industrial knowledge

Felix James

Enlightening.
The course as a whole is good and captivating, it dives into the basics of credit and makes it easy to understand the due diligence involved.

Omar Nsambu

Amazing
Very pratical no long talk

Kenavo edoh

Quite an amazing experience
Course is very insightful

David Ofori-Larbi

Informative
The course was comprehensive

Chioma Nkwokorah

very memorable experience
Interesting course, we should have more shared experiences with companies historical data

Frederic Nzoga

Good intro to credit analysis
Good intro to credit analysis

James Roche

Helpful Introduction
Really enjoyed the lessons taught in introducing the topics.

Nick Strakhov

It's a wonderful experience.
The course is usfuall for all credit sector.

Hayder Al Sikafi

Awesome
Highly recommended for banking and finance professionals

Jerry Djondo

Good Review
Good overview review

Grant de Gorter

very insightful and engaging
Highly recommended for students who wish to pursue careers as credit analysts

Richard Nyame

Course was very enlightening. facilitator was clear and effective in his delivery.

Ron Frederick

Very good
Course of the future.

Manas Gupta

Good material covered.
Good material covered.

Eric Thompson

Good foundational knowledge
Good foundational knowledge

OSCAR CREMER

Great course
I am happy with the teaching method and course is highly interactive.

Pooja Appadoo

Great even for an MBA looking to get into banking
Great course new and interesting even for someone with a degree

Alexander Oubre

Fruitful and very informative
I'd highly recommend this course to my colleagues

MOHAMED SAAD

I loved it
Its a clear and educative course. Very beneficial to any credit professional

NNEKA IGWE

Insightful!
This course is really insightful and engaging for those who want to build a base in credit industry knowledge

Subhasis Patnaik

Good
Compact but really provide the key concept

Andy Julyandy

Great
Very informative analysis framework

Nhlanhla Mahlangu

thank you so much for the informative information and website
i would appreciate if we could get the video/ or the details of the presentation information

Fawaz Alanazi

excellent clear and concise
course is very thorough

Socrates Tsenes

good
a lot of information

Jensen Thielke

Very good
Good experience learning here

Chithra Narayanan Nair

Broadened my knowledge in credit assessment areas
This program is very useful in understanding the areas of focus to build very well credit assessment criteria for any business

Dorji Kadin

Great introduction into the begging building blocks of credit, very interactive

Valter Chidumo

Direct and informative
Concepts are nicely explained and exercises focus on the important aspects

Matteo Edini

Very Explicit
Course was in detailed and well explained

Kovila Soobrayen

Very good
well designed course

Riju Thomas

Credit course
It exposed me to the basics of credit analysis.

Oluwafemi Royal Aliu

Clear fundamentals
The case studies are the most helpful and more business applications like the case study types would be most helpful

Eric Curtis

Value adding and precise content
I'm happy with the content and pace of the course. Very detailed

Khyati Dhakan

Awesome
I thought I already know the basics yet CFI has so much to offer

Ian Selades

Great Content
Brief overview of the 5 C's of credit; very helpful

Quintin McKinnish

Good and very informative introduction to credit analysis.

Salvador Duzentos

Learnt many new things
Understood the basics of credit analysis very well

Phani Palakurthy

Online course worth every penny!
Courses are designed to refresh your knowledge and learn new things in depth.

Sanjida Islam Suchi

Great experience
So far, I feel I am receiving a very in depth, yet easy to absorb education.

Melissa Potter

The course materials were engaging, clear, and informative.

Paula Forrest

Good coverage
Good coverage and to the point

Govind Thumar

I have acquired skills and knowledge and credit analysis.
Informative session in Banking Services.

ALPHEUS TLHONEPO SETLHAPO

I have acquired skills and knowledge and credit analysis.
Informative session in Banking Services.

ALPHEUS TLHONEPO SETLHAPO

I was enlightened more on how to read financial statement

Rachel Mela

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