Credit Analysts do more than work with numbers — they help businesses succeed. Your insights guide better loans, protect the bank, and support growth for clients.
Free
Our Modules
Introduction to Accounting Concepts
Learn the fundamentals of accounting to interpret financial statements, assess performance, and identify risks —the foundation for sound credit decisions.
Understanding Financial Statements
Learn to interpret financial statements, management accounts, and tax returns to assess performance, risks, and creditworthiness.
Statement of Profit or Loss (P&L)
Learn to interpret the Statement of Profit or Loss to assess profitability, performance, and debt servicing capacity — key to informed credit recommendations.
Statement of Financial Position (Balance Sheet)
Learn to interpret the Balance Sheet to assess liquidity, solvency, and leverage — essential for identifying risks and structuring prudent lending decisions.
Statement of Cash Flows
Learn to analyse cash flow to assess liquidity, obligations, and growth capacity — essential for confident, risk-aware credit decisions.
Debt Servicing
Learn to assess debt servicing capacity using key ratios and cash flow — aligning loan structures with sustainable earnings for responsible lending.
Break Even Analysis
Learn to calculate breakeven points and analyse cost structures to evaluate sustainability and make risk-aligned credit recommendations.
Forecast Financial Analysis
Learn how to evaluate forecasts, test assumptions, and stress scenarios to assess future performance, cash flow, and debt capacity.
Working Capital Analysis
Learn to analyse working capital metrics and the Cash Conversion Cycle to evaluate liquidity, manage risks, and recommend funding solutions.
Free
Financial Ratios
Learn to calculate and apply key financial ratios to assess performance, liquidity, leverage, and debt servicing — turning data into clear risk insights.
Free
Financial Covenants
Learn how to set, interpret, and monitor financial covenants — a critical tool for tracking client performance, managing risk, and protecting the lender.
Free
Loan Repayment Arrangements
Learn how to structure repayment arrangements that align with client cash flow — protecting the lender, supporting client success, and ensuring sustainability.
Free
Loan Products
Learn to assess and structure loan products that support client’s cash flow, growth, and strategy while managing credit risk.
Free
Probability of Default (PD)
Learn to assess Probability of Default (PD) using financial and non-financial indicators —strengthening credit recommendations, supporting responsible lending, and aligning approvals with risk appetite.
Free
Security Instruments
Learn how security instruments protect the lender’s position, reduce credit risk, and provide a second way out if a borrower defaults.
Free
Loss Given Default
Learn to assess Loss Given Default (LGD) by evaluating collateral, recovery rates, and liquidation outcomes — critical for measuring potential credit losses.
Free
Loan Offer and Facility Agreement
Learn how to review and structure Loan Offers and Facility Agreements — understanding key clauses, risk implications, and balancing client needs with prudent credit management.
Free
Early Warning Signs
Learn to identify and respond to early warning signs of financial stress — enabling proactive support, stronger risk management, and portfolio protection.
Free
Writing Credit Paper
Learn how to write clear, well-structured credit papers that tell the client’s story, highlight risks and strengths, and support well-reasoned lending decisions.
What We Offer
Our courses are designed for university graduates, professionals transitioning careers, and existing bankers or brokers eager to upskill.
Expert Training
Direct access to Darren’s wealth of knowledge.
Hands-On Learning
Real-world applications to build practical skills.
Lifelong Mentorship
Continued guidance and career support beyond the classroom.
Why We're Your Best Choice
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Expert-Led Training:
Learn directly from Darren McNamara, a banking veteran with over 40 years of experience across major institutions like ANZ, St George, Westpac, and CBA. Darren’s wealth of expertise in commercial lending and credit management ensures you gain industry insights and best practices.
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Comprehensive Skill Development:
Master both foundational and advanced skills critical for success as a credit analyst. From analysing key financials metrics to structuring and preparing credit submissions, you’ll be prepared for the complexities of the role.
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Hands-On Experience:
Bridge theory and practice with real-world applications. Learn to navigate market dynamics, conduct risk assessments, and apply financial analysis techniques utilised by the major banks.
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Career Advancement:
Gain the confidence and expertise to stand out in this competitive field. Whether you’re entering the industry or advancing your career, our course provides the edge you need to succeed.
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Ongoing Support:
After completing the course, access exclusive networking events, continuous career guidance, and lifelong mentorship. Our commitment to your success doesn’t end at graduation—it’s a long-term partnership to help you thrive.
This course is designed for you!
Join our tailored training program in commercial lending and unlock the skills, knowledge, and confidence to excel in commercial lending. Whether you’re just starting out or looking to level up, this is your chance to take your career to the next level.
📈 Your journey to success starts here!
University Students
Get ahead before applying for Banking Graduate Positions
Existing Bankers
Upskill or move into lending
Professionals
Seeking a career change into banking
Brokers
Upskill from residential to Commercial Broking
What’s it like to be a Credit Analyst?
Being a Credit Analyst is a dynamic and essential role within the financial services industry. Credit Analysts are at the heart of lending decisions, evaluating creditworthiness, managing risks, and ensuring the financial integrity of client transactions.
If you enjoy working with numbers, analysing trends, and solving problems, this role provides a fulfilling and impactful career path.
Bridging the Gap: Practical Skills for Success in Credit Analysis
Are you considering a career change? Thinking about transitioning into lending role? The demand for skilled credit analysts is high, with over 300 job openings currently listed on SEEK. While formal education is not always required, employers often prefer candidates with strong finance or accounting qualifications.
Job opportunities
391+
Jobs in Australia right now
Salary
$90k
Typical salary in Australia
Job Growth
22.3%
5-year projection
Job satisfaction
4.1
Based on 12 reviews
Credit Analyst Academy acknowledges the Traditional Owners of the land on which we work and live. We pay our respects to Elders past, present, and emerging, and recognise their continuing connection to land, waters, and culture. We are committed to fostering an environment of respect and inclusion, recognising the importance of Aboriginal and Torres Strait Islander peoples’ contribution to the communities we serve.
