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💰 Finance & Accounting  ·  Intermediate

Certified Credit Analyst

Online Certification  ·  10 Weeks  ·  Globally Recognised  ·  (CCRD)

✅ 2026 Edition 🎓 CPD Accredited 🌍 100+ Countries 📜 Digital + Physical Certificate 100% Online
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Executive Summary

Certified Credit Analyst

Designed for today’s high-impact professionals, the Certified Credit Analyst (CCRD) delivers a rigorous Intermediate-level curriculum that equips participants with the knowledge, tools and frameworks needed to excel in financial management, accounting, budgeting and financial analysis.

This 10 Weeks programme is structured around IFRS, GAAP and recognised financial management and reporting standards, ensuring every graduate applies internationally validated methods to real-world challenges.

GLI’s CCRD holders are recognised by leading organisations across Africa, the Gulf, Europe and the Americas as qualified, results-driven professionals. Whether you are advancing your current career or transitioning into new responsibilities, this certification provides the competitive edge you need in 2026 and beyond.

Programme Overview

Certification at a Glance

Certification
Certified Credit Analyst
Acronym
CCRD
Category
Finance & Accounting
Level
Intermediate
Duration
10 Weeks
Delivery Mode
100% Online
Assessment
Online Examination
Certificate
Digital + Physical
CPD Eligibility
CPD Accredited
Alumni Benefits
GLI Network Access
Self-Paced
USD 399
Live Virtual
USD 599
Target Audience

Who Should Enrol?

  • Finance Officers and Accountants
  • Budget and Cost Analysts
  • Finance Managers and Controllers
  • Auditors and Financial Analysts
Programme Inclusions

Everything Included in Your Enrolment

  • All study materials and study guide
  • Access to GLI online learning portal
  • Online examination and assessment
  • Digital certificate and digital badge
  • Physical certificate (shipped to you)
  • CPD credits for professional bodies
  • GLI alumni network membership
  • Facilitator and tutor support
  • Resource downloads and reference library
  • Automatic enrolment confirmation
Certification Benefits

Why This Certification Matters for Your Career

Career Advancement
Accelerate your career towards senior finance, controller and CFO roles
Professional Recognition
Credential aligned with IFRS, GAAP and recognised financial management and reporting standards
Leadership Capability
Develop the strategic and operational skills to lead complex financial management functions
Organisational Impact
Design and implement financial management systems that drive performance and measurable results
Compliance Readiness
Master the standards, compliance and ethical governance central to financial management
Global Employability
Qualify for financial management roles across corporates, banks, NGOs and public-sector organisations worldwide
Competency Framework

Core Competencies You Will Develop

✦Borrower Financial Profiling
✦Character and Capacity Assessment
✦Credit Rating Models
✦Industry Credit Analysis
✦Credit Pricing
✦Credit Monitoring
Course Curriculum

Programme Modules

The full programme, module by module.

Core CurriculumModules 1–20 · specific to Certified Credit Analyst · module 20 is the capstone
1
Credit Analysis Foundations
Credit appraisal: character, capacity, capital, collateral and conditions · Credit analysis and the 5 Cs of credit · Credit assessment and the five Cs · Expected credit loss and portfolio quality
2
Borrower Financial Profiling
Taxation: obligations, computation and dispute · Digital financial services, mobile money and agent networks · Financial crime: anti-money laundering and know-your-customer · Financial, management and cost accounting distinguished
3
Financial Statement Credit Analysis
Financial risk: credit, market, liquidity, operational · Financial statement and cash-flow analysis · Financial analysis, modelling and valuation · Reading financial statements as a manager
4
Cash Flow Credit Analysis
Flow, waste and the economics of operational excellence · Cash flow forecasting and liquidity management · Cash flow forecasting: knowing what will be in the bank · Cash flow statements
5
Character and Capacity Assessment
Capacity, workload and resource coordination · Organisational maturity, assessment and improvement programmes · Finance maturity assessment · Security assessment, vulnerability management and remediation
6
Capital and Collateral Analysis
Cost of capital and capital structure: what money costs and where it comes from · Banking regulation, capital and supervisory expectations · Capital budgeting: NPV, IRR and payback · Cost of capital and WACC
7
Credit Scoring
Credit assessment and lending decisions · Credit scoring and probability of default: models in the decision · Credit scoring and models · Principles of credit and lending
8
Credit Rating Models
Banking business models and the balance sheet that carries them · Trend analysis and foresight · Segmentation and needs analysis · GPS, GIS and spatial analysis
9
Debt Service Capacity
Service level agreements, queues and capacity · Customer effort and sentiment analysis · Churn analysis and prevention · Financial inclusion and the evolving customer
10
Working Capital Assessment
Working capital management: the cash tied up in running the business · Working capital optimisation · Obsolescence and working capital · Working capital and the cash conversion cycle
11
Industry Credit Analysis
Model explainability and defensible analysis · Advisory and non-financial services · Digital financial services · Fit-gap analysis and selection
12
Business Model Credit Risk
Business model design: how the organisation creates, delivers and captures value · The finance operating model and business partnering · Reconciliations and the financial close · Financial modelling and forecasting discipline
13
Loan Structuring
Loan structuring, pricing and covenants · Loan structuring and pricing · Loan restructuring and workout: recovering value from a troubled credit · Financial crime and fraud risk in the organisation
14
Credit Pricing
Risk, cost and feasibility analysis · Conflict analysis: causes, actors and dynamics · Ratio analysis: liquidity, profitability, gearing · Spend and situation analysis
15
Security and Collateral Analysis
Qualitative analysis: coding, themes and the discipline of interpretation · Discovery and needs analysis · Discovery: diagnostic questioning and needs analysis · External analysis: industry structure, forces and market definition
16
Credit Recommendation Reports
The finance function and digital transformation · Building a finance career and professional development · Stakeholder mapping for the finance function · Investor relations and market communication
17
Credit Monitoring
Responsibility accounting and cost centres · Cost reduction and efficiency programmes · Management reporting and decision support · Time value of money and discounting
18
Early Warning Indicators
Early warning systems: from detection to action by the people at risk · Early warning and early response · Early-warning signals · Surveillance and early warning
19
Credit Portfolio Review
Credit portfolio management: concentration, correlation and appetite · Loan portfolio management, arrears and recovery · Recognition, accruals and earnings quality · Budgeting, budgetary control and rolling forecasts
20
Credit Analysis Project
Data visualisation for finance · Project data, performance analysis and delivery intelligence · Working with diversity and marginalisation · Strengths, flow and engagement
Professional ElectivesModules 21–30 · common to all GLI certifications · broaden your professional range
21
Strategic Communication and Executive Presentation
Vision, purpose and translating direction into work · Audience-centred communication and message structure · Executive leadership: the board interface and enterprise stewardship · Persuasive structure: framing, evidence and the ask
22
Leadership and Team Effectiveness
Leadership identity, style and the limits of style · Leadership assessment, feedback and continuous self-review · Leadership versus management and when each is needed · Situational and adaptive leadership
23
Analytical Thinking and Evidence-Based Reasoning
Creativity and critical-thinking development · Analytical techniques and bias · Evidence-based improvement · Problem framing: symptoms, definition and scope
24
Professional Decision-Making
Managerial decision-making, bias and decision rights · Escalation and decision-making · Decision support: briefs, options and judgement under pressure · Decision frameworks: criteria, weighting and trade-offs
25
Negotiation, Influence and Stakeholder Management
Negotiation preparation: interests, options and the walk-away · Power, followership and organisational politics · Negotiation: preparation, interests and value creation · Concessions, anchoring and the shape of a bargain
26
Project and Execution Management
Proposals, bids and the business case · Project roles and the project manager · Developing the project business case · Planning, scheduling and personal workflow systems
27
Financial Literacy for Professionals
Financial reporting standards and their application · Financial management for the operating manager · Liquidity, funding and balance sheet management · Management accounting: costing, budgeting and decision support
28
Digital Skills, AI and Technology for Professionals
Digital workplace, collaboration and user support · Productivity, collaboration and workflow tools · Tools for interaction and collaboration · Working with data: quality, interpretation and honest presentation
29
Ethics, Governance and Professional Accountability
Ethical leadership: integrity, tolerated behaviour and moral courage · Ethics, conduct and speaking up · Business development risk, ethics and integrity · AI for managers: adoption, oversight and governance
30
Personal Effectiveness, Productivity and Career Growth
Emotional competence: awareness, regulation and expression · Self-awareness, strengths and the accuracy of self-image · Emotional intelligence and self-regulation · Priority: outcomes, importance and the urgency trap

Every module opens in the learning portal with its full lesson set, worked examples, further reading and video masterclasses. 30 modules · 150 lessons.

Learning Outcomes

What You Will Achieve

  • Borrower Financial Profiling — applied to your own work
  • Financial Statement Credit Analysis — applied to your own work
  • Cash Flow Credit Analysis — applied to your own work
  • Character and Capacity Assessment — applied to your own work
  • Capital and Collateral Analysis — applied to your own work
  • Credit Scoring — applied to your own work
Enrolment Process

How to Get Certified

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Step 3: Study in the GLI Learning Portal
Work through 30 structured modules and 150 lessons at your own pace, with downloadable resources and expert-designed content — all inside the LMS.
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Step 4: Pass, Get Certified & Verified
Sit your final examination online, earn your certificate instantly, and receive a globally verifiable Certificate ID — plus GLI Alumni Network access.
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Frequently Asked Questions

Common Questions

What is the CCRD certification?

The Certified Credit Analyst is a professional certification awarded by the Global Leadership Institute. It covers 20 core modules specific to Credit Analyst, culminating in the capstone “Credit Analysis Project”, plus 10 professional elective modules common to all GLI certifications. Candidates study through the online portal, submit the capstone project and sit a final examination; those who pass receive a verifiable certificate carrying a unique certificate ID.

Who should enrol in the CCRD?

This certification is ideal for Finance Officers and Accountants, Budget and Cost Analysts, Finance Managers and Controllers and Auditors and Financial Analysts, and other professionals seeking to formalise their expertise in financial management, accounting, budgeting and financial analysis with a globally recognised credential.

How long does the CCRD certification take to complete?

The programme is structured over 10 Weeks and offers flexible learning modes. Self-paced learners can progress at their own schedule, while live virtual participants follow a structured cohort schedule with facilitator-led sessions.

Is the CCRD internationally recognised?

Yes. GLI certifications are recognised across 100+ countries and are aligned with IFRS, GAAP and recognised financial management and reporting standards. Graduates receive a digital certificate, a physical certificate and CPD credits recognised by employers worldwide.

What is the cost of the CCRD certification?

The Certified Credit Analyst is offered in two formats: Self-Paced at USD 399 and Live Virtual at USD 599. Corporate group rates are available for organisations enrolling 5 or more participants. Contact GLI for a bespoke corporate training quotation.

What does the CCRD certification include?

Enrolment includes all study materials and study guides, access to GLI's online learning portal, online examination, digital certificate and badge, physical certificate (posted), CPD credits, GLI alumni network membership, and ongoing facilitator support.

What is the assessment format for the CCRD?

The Certified Credit Analyst is assessed through an online examination consisting of multiple-choice questions, case study analysis, and practical application assignments. The assessment is designed to evaluate real-world competency, not just theoretical recall.

What CPD credits do I earn from the CCRD?

The Certified Credit Analyst carries Continuing Professional Development (CPD) credits, which can be applied towards professional body requirements including recognised international professional associations.

Can I study the CCRD while working full-time?

Absolutely. The self-paced option is designed for busy working professionals and allows you to study when and where it suits you. Live virtual sessions are typically scheduled in the evenings or on weekends to accommodate professional commitments.

What career outcomes can I expect from the CCRD?

Graduates progress towards senior finance, controller and CFO roles. The CCRD strengthens your expertise in financial management, accounting, budgeting and financial analysis and positions you for advancement across corporates, banks, NGOs and public-sector organisations.

Graduate Voices

What Our Alumni Say

“

The curriculum was directly applicable to my daily work. I immediately applied what I learned and saw results within weeks of completing the programme.

Finance Director
Private Sector
“

GLI's certification is the most practical professional programme I have attended. The international frameworks gave me credibility with my employer and clients.

Financial Controller
NGO Sector
“

I earned my CCRD while working full-time. The self-paced format made it possible, and the quality of the content is genuinely world-class.

Senior Accountant
Government
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