Corporate Finance & Valuation
Financial Statements & Ratio Analysis
IntermediateCertificate$9.99
Credit & Risk Analysis
Score a borrower, calculate leverage, DSCR and debt capacity, test covenants, build a borrowing base and price the risk, on live auto-graded spreadsheets.
- One-time payment
- 14-day money-back guarantee
- Secure checkout with Stripe
What you'll build
What you will be able to do
Each lab ends with a concrete result that you build yourself and the checker confirms, cell by cell.
- Turn an analyst's 5 Cs assessment of Harbor Fresh Foods into a weighted score, a risk grade and a decision.
- Calculate the four ratios a credit analyst looks at first for Harbor Fresh Foods.
- Rebuild EBITDA from net income, work out the cash really available to lenders and test it against debt service.
- Size the largest term loan Harbor Fresh Foods can carry and compare it with what they asked for.
- Test Harbor Fresh Foods' loan covenants after a weaker year and measure how much room is left.
- Fill in Harbor Fresh Foods' monthly borrowing base certificate and work out how much more it can draw.
- Estimate the expected loss on Harbor Fresh Foods' revolver and on a small portfolio, then price the risk.
About this course
Lenders decide every day whether a borrower can repay and on what terms. This course teaches you to make that call with numbers. You score a borrower on the five Cs of credit with a weighted scorecard, then calculate leverage, coverage and liquidity ratios. Cash flow lending labs derive EBITDA, cash flow available for debt service and the debt service coverage ratio, and from these you estimate how much the borrower can safely borrow. You test covenants and measure headroom, build a borrowing base for working capital lending and finally calculate expected loss to set a risk-based price. For credit analysts, relationship managers, bankers and finance students.
Curriculum
Course content
7 lessons · 7 labs · 1.6 h · final exam
- Unlocked when you buy the course
- Unlocked when you buy the course
- Unlocked when you buy the course
- Unlocked when you buy the course
- Unlocked when you buy the course
- Unlocked when you buy the course
- Unlocked when you buy the course
- Final exam
Certificate
Finish with a certificate you can verify
Complete every lesson and pass the final exam to receive a certificate of completion for this course, with a unique credential ID and a public verification page.
- Names the course, your score and the date of issue
- A verification link for your CV or LinkedIn profile
- 12 questions, 75% to pass, unlimited retries.
A Tutorvo certificate confirms that you completed a course. It is not an official or professional qualification.
Before you buy
Questions about this course
Is this a subscription?
No. You pay $9.99 once for this course. There is no subscription and nothing renews automatically. Prices are in US dollars; taxes may be added where required.
What exactly do I get?
All lessons and labs of this course, the final exam and the certificate, including later updates to the course, for as long as Tutorvo offers it. Access is personal and tied to your account.
Can I get a refund?
Yes. If you are not satisfied, email hello@tutorvo.com within 14 days of buying and we refund the course in full via Stripe. The guarantee does not apply once a certificate for the course has been issued to you, or where there are signs of abuse.
When can I start?
Right after payment. Access starts immediately at your request; for consumers in the EU/EEA the statutory right of withdrawal therefore ends once access has begun, while our 14-day money-back guarantee applies regardless.
Do I need Excel or other software?
No. The labs run in a spreadsheet inside your browser on a laptop, tablet or phone. Function names and syntax follow Excel.
Is the certificate an official qualification?
No. It confirms that you completed all lessons of the course and passed its final exam. It is not an official, state-recognised or professional qualification. The name is taken from your profile when the certificate is issued.
Full details are in our Terms · hello@tutorvo.com
Corporate Finance & Valuation
Credit Risk Modeling: PD, LGD, EAD & Expected Credit Loss
AdvancedCertificate$9.99