This Credit Analysis Certificate is designed for bank employees aiming to join the credit department, as well as junior credit officers, relationship officers, and managers. The certificate comprises five technical parts: accounting concepts, core credit, lending rationales and facility structure, corporate finance and valuation, and supplementary aspects. It also covers how to use supportive information in credit decision-making. Additionally, the program includes an eLearning component and culminates in a practical module that guides participants through the preparation of a trial desk case. This aims to consolidate group findings and provide recommendations for a final desk case. By the end of the program, learners will have a solid understanding of credit analysis, enabling them to make informed and strategic credit decisions in their professional roles.