Credit Ratings - Online

This course explains the internal ratings systems followed by banks and financial institutions. It includes a discussion of the Basel Committee's Internal Ratings-Based (IRB) approach and concludes with the external credit rating and its importance for lenders.

This is an online self study course that can be globally accessed from any internet enabled computer.


Individuals who require familiarity with credit basics and the asociated language, but who do not necessarily work in a credit or finance function.
Familiarity with corporate balance sheets and income statements
Internal Rating systems
  • The architecture of internal rating systems
  • Operating design of rating systems
  • Uses of internal risk grades

Internal rating based approach

  • Overview to IRB approach
  • IRB framework for corporate exposure
  • IRB framework for other exposures
  • Implementation issues

External Rating

  • Well known credit rating agencies
  • Rating process
  • Credit scoring and its types

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