Analyze & Manage Banking Credit Portfolios
Ends soon! Keep adding new skills with 10,000+ programs for $239 (usually $399). Save now.
Analyze & Manage Banking Credit Portfolios
This course is part of Bank Credit Analysis & Portfolio Management Specialization
Included with
What you'll learn
Analyze financial ratios and evaluate borrower credit risk.
Design loan policies and monitor credit facilities effectively.
Apply credit risk frameworks for portfolio and asset quality management.
Skills you'll gain
- Compliance Management
- Financial Regulation
- Risk Modeling
- Portfolio Management
- Loan Documentation
- Financial Analysis
- Credit Risk
- Commercial Lending
- Banking Services
- Bank Regulations
- Asset Management
- General Lending
- Business
- Financial Statements
- Lending and Underwriting
- Financial Statement Analysis
- Banking
- Portfolio Risk
- Financial Services
- Loan Origination
Details to know
April 2026
14 assignments
See how employees at top companies are mastering in-demand skills
Build your subject-matter expertise
- Learn new concepts from industry experts
- Gain a foundational understanding of a subject or tool
- Develop job-relevant skills with hands-on projects
- Earn a shareable career certificate
There are 4 modules in this course
Develop the ability to analyze financial ratios, evaluate credit risk, design compliant loan policies, monitor credit facilities, and apply structured credit risk management frameworks in banking.
This course provides a comprehensive understanding of banking credit portfolio management—from borrower financial analysis and loan policy formulation to documentation controls, post-sanction monitoring, and portfolio-level risk evaluation. Learners will examine working capital assessment, stock statement monitoring, bills portfolio supervision, insurance verification, execution of credit documents, limitation management, and risk grading systems used in banks. By completing this course, learners will strengthen practical skills required for credit appraisal, regulatory compliance, risk identification, and asset quality management. The course uniquely integrates financial analysis, legal safeguards, operational monitoring, and portfolio risk strategy into one structured learning pathway aligned with real-world banking practices. Designed for banking professionals, credit officers, auditors, and finance learners, this course enables participants to make informed lending decisions, minimize credit losses, and manage institutional risk exposure with confidence.
This module introduces the foundational principles of financial ratio analysis and loan policy formulation in banking. It explains how banks evaluate borrower financial statements, assess creditworthiness, and frame structured loan policies aligned with RBI regulatory guidelines to ensure prudent and compliant lending practices.
What's included
6 videos4 assignments
6 videos•Total 52 minutes
- Requirement of analysis of financial ratios•9 minutes
- Different types of financial ratios and the benefit thereof for assessment of bank finance•5 minutes
- loan policy and Components of loan policy in brief•12 minutes
- A typical loan policy of a bank•8 minutes
- Policy framing within overall guidelines of the RBI•9 minutes
- Continuation of Policy framing within overall guidelines of the RBI•9 minutes
4 assignments•Total 60 minutes
- Ratio Analysis for Bank Finance•10 minutes
- Loan Policy Basics•10 minutes
- RBI-Guided Policy Framing•10 minutes
- Credit Analysis & Policy Building•30 minutes
This module focuses on post-sanction credit monitoring systems in banks, including operational oversight, stock statement review, bills portfolio supervision, insurance verification, inspection processes, and identification of early warning signals to mitigate credit risk.
What's included
9 videos4 assignments
9 videos•Total 88 minutes
- Need of monitoring the credits•9 minutes
- Types of registers used for monitoring•10 minutes
- Monitoring of stock statements•8 minutes
- Monitoring of Bills portfolio•12 minutes
- Monitoring insurance of the security•12 minutes
- Monitoring of operations•5 minutes
- Inspection related issues•11 minutes
- Deficiencies observed at the monitoring stage•11 minutes
- Borrowers profile for Credit Monitoring•11 minutes
4 assignments•Total 60 minutes
- RBI-Guided Policy Framing•10 minutes
- Monitoring Key Credit Inputs•10 minutes
- Security, Operations & Field Checks•10 minutes
- Credit Monitoring in Action•30 minutes
This module covers the legal and procedural aspects of loan documentation, including execution of credit documents, stamping requirements, authorization verification, special borrower considerations, limitation management, and safeguarding enforceability of bank claims.
What's included
5 videos3 assignments
5 videos•Total 41 minutes
- Important points to be rembered while execution of documents•9 minutes
- Type of documents used for executions•11 minutes
- Procedure for documentation•6 minutes
- Rules relating to stamping of documents•4 minutes
- Cares needed for execution of documents by special kind of borrowers•11 minutes
3 assignments•Total 50 minutes
- Document Execution Essentials•10 minutes
- Documentation Procedure & Legal Compliance•10 minutes
- Documentation & Execution Controls•30 minutes
This module explores credit risk evaluation, measurement methodologies, risk grading systems, portfolio diversification strategies, internal control mechanisms, and structured credit risk management frameworks adopted by banks to maintain asset quality and regulatory compliance.
What's included
4 videos3 assignments
4 videos•Total 27 minutes
- Extension of limitation period•4 minutes
- Credit Risk Management & Evaluation and Measurement•5 minutes
- Continuation of Credit Risk Management & Evaluation and measurement•9 minutes
- Credit Risk Management mechanism in banks•9 minutes
3 assignments•Total 50 minutes
- Limitation, Risk Evaluation & Measurement•10 minutes
- Institutional Risk Management Mechanism•10 minutes
- Risk Evaluation & Portfolio Risk Management•30 minutes
Earn a career certificate
Add this credential to your LinkedIn profile, resume, or CV. Share it on social media and in your performance review.
Explore more from Finance
- Status: Free Trial
Specialization
- Status: Free Trial
Course
- Status: Free Trial
Course
- Status: Free Trial
Course
Why people choose Coursera for their career
Learner reviews
- 5 stars
100%
- 4 stars
0%
- 3 stars
0%
- 2 stars
0%
- 1 star
0%
Showing 3 of 15
Reviewed on May 12, 2026
As someone moving into internal audit, the modules on documentation controls and compliance were incredibly helpful. It teaches you exactly where the red flags usually hide in a credit portfolio.
Reviewed on Jun 20, 2026
I never knew how much thought went into formulating a bank's loan policy. Learning about the regulatory requirements and risk exposure norms gave me a whole new respect for the compliance team
Frequently asked questions
To access the course materials, assignments and to earn a Certificate, you will need to purchase the Certificate experience when you enroll in a course. You can try a Free Trial instead, or apply for Financial Aid. The course may offer 'Full Course, No Certificate' instead. This option lets you see all course materials, submit required assessments, and get a final grade. This also means that you will not be able to purchase a Certificate experience.
When you enroll in the course, you get access to all of the courses in the Specialization, and you earn a certificate when you complete the work. Your electronic Certificate will be added to your Accomplishments page - from there, you can print your Certificate or add it to your LinkedIn profile.
Yes. In select learning programs, you can apply for financial aid or a scholarship if you can’t afford the enrollment fee. If fin aid or scholarship is available for your learning program selection, you’ll find a link to apply on the description page.
More questions
Financial aid available,