The credit analysis certificate provides participants with the fundamentals of accounting and financial statements. It also enables them to understand the lending techniques for effective credit decisions as well as other techniques that involve risk of trade operations from a credit perspective. Moreover, it gives the candidates perspective on the legal issues that govern the scope of credit activities. It is worth noting that EBI is applying up to date instructional methods; among them is Trial Desk, which allows participants to successfully complete the final desk based on real case studies