Fundamentals of Credit

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Level 1

Approx 2h to complete

100% online and self-paced

Subscribe to get access to CBCA™ and other programs

From $497/year

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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 in order 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.

Fundamentals of Credit Is a Prep Course of CFI's CBCA® Program

CFI's Commercial Banking & Credit Analyst (CBCA)™ Program offers skills including credit structuring, documentation, and review procedures. From beginners to advanced users, the CBCA® program is designed to help you become a world-class commercial banker or credit analyst.

Who Should Take This CBCA® 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.

Become a certified Commercial Banking & Credit Analyst (CBCA)™

Fundamentals of Credit is part of the Commercial Banking & Credit Analyst (CBCA)™ certification, which includes 36 courses.

Commercial Banking & Credit Analyst (CBCA)™ Certification
  • Skills Learned Financial Analysis, Credit Structuring, Risk Management
  • Career Prep Commercial Banking, Credit Analyst, Private Lending

Path To Certification

Prep Courses

7 courses from beginner to intermediate level.


Core Courses

16 courses from beginner to intermediate level.


Elective Courses

11 courses in advanced and intermediate levels.


Get Certified

Submit your CBCA™ checklist and order your certificate.

CBCA Certificate 04Required

Join Our Community

Get access to the Global Corporate Finance Society.


How the Certification Works

Commercial Banking & Credit Analyst (CBCA)™ courses are offered 100% online, allowing you the flexibility to start the Commercial Banking & Credit Analyst (CBCA)™ program anytime and learn when it’s most convenient for you.

The program is a part of the All Access Subscription, which includes all programs and courses.

CFI courses are designed by instructors with over 21 years of financial analyst training experience.

Students must complete all core and elective courses (18 in total) and demonstrate mastery of the topics through successful completion of course materials, quizzes, and assessments.
Within 48 hours of program completion, your Blockchain Verified (CBCA)™ Certification will be emailed to you.

What Our Students Say

Excellent course
Good course to prove your knowledge and brushup your skills

Rohith Kondi

very insightful


Increasing my knowledge base
I just concluded fundamentals of credit by Corporate Financial Institute, the course deliver was wonderful, and the insights gained are remarkable.

Ibukun Lawore

its a very good course. thanks


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