A tailored course, built for your situation
Deeper Command of Credit Framework Decisions
Master the structures behind business credit risk assessment to lead with authority and precision
$199 one-time
24-hour access provisioning
30-day money-back guarantee
Hand-built implementation playbook
12 modules. 12 chapters per module. 144 chapters total.
12 modules, each with 12 chapters (144 chapters total), text-based, plus downloadable templates and a hand-built implementation playbook delivered alongside course access.
The situation this course is for
Who this is for
Senior credit risk practitioner in a commercial banking environment, making structured judgments on complex lending proposals
Who this is not for
Entry-level analysts, generic risk training seekers, or professionals outside commercial lending and credit policy design
What you walk away with
- Complete fluency in the core levers of credit risk frameworks: covenants, collateral treatment, structure scoring, and EBITDA adjustments
- Ability to reconstruct and justify framework decisions using standardized logic flows
- Confidence to lead cross-functional alignment on borderline credit cases
- Repeatable methodology for stress-testing credit memos before submission
- Precision in translating business risk narratives into structured credit terms
The 12 modules (with all 144 chapters)
Module 1. Anatomy of a Credit Framework
Break down the core components of commercial credit decision systems: policy thresholds, risk ratings, and structural covenants.
12 chapters in this module
- Defining framework scope
- Layering risk tiers
- Rating system logic
- Covenant types
- Collateral triggers
- EBITDA adjustments
- Debt service coverage
- Leverage limits
- Industry modifiers
- Structure scoring
- Approval thresholds
- Framework documentation
Module 2. Policy Calibration Logic
Learn how to adjust policy parameters based on sector, client size, and economic context without compromising rigor.
12 chapters in this module
- Tuning for volatility
- Adjusting EBITDA quality
- Dynamic covenant setting
- Client lifecycle stage
- Cross-border adjustments
- Sector-specific risks
- Macro overlay inputs
- Covenant flexibility
- Stress test assumptions
- Scenario weighting
- Approval authority mapping
- Policy exception logic
Module 3. Risk Rating Systems
Master the construction and interpretation of internal rating models used in commercial credit decisions.
12 chapters in this module
- Rating scale design
- Default probability mapping
- Historical calibration
- Scorecard weighting
- Qualitative overrides
- Sector scoring
- Management quality input
- Liquidity scoring
- Covenant adherence
- Trend analysis
- Peer benchmarking
- Rating validation
Module 4. Covenant Design and Enforcement
Build precise, enforceable covenants tailored to each borrower’s risk profile and business model.
12 chapters in this module
- Types of covenants
- Financial vs incurrence
- Maintenance covenants
- Reporting requirements
- Trigger thresholds
- Remediation paths
- Waiver protocols
- Covenant testing
- Borrowing base links
- Cross-default logic
- Amendment frameworks
- Covenant lite trends
Module 5. EBITDA Adjustments Framework
Apply consistent, defensible methods for normalizing earnings across diverse business types.
12 chapters in this module
- Defining EBITDA
- Add-back categories
- Management compensation
- Legal settlements
- Restructuring costs
- Acquisition integration
- Non-recurring items
- Pro forma logic
- Sustainability tests
- Add-back caps
- Auditor alignment
- Adjustment documentation
Module 6. Collateral Analysis Depth
Evaluate asset-based lending structures with precision in liquidation and covenant contexts.
12 chapters in this module
- Collateral types
- Advance rate logic
- Appraisal cycles
- Borrowing base certs
- Field exam role
- Inventory valuation
- AR aging quality
- Asset concentration
- Collateral cross-default
- Equity clawback
- Valuation haircuts
- Enforcement triggers
Module 7. Structure Scoring Systems
Quantify deal structure strength using repeatable scoring rules across lending decisions.
12 chapters in this module
- Deal structure inputs
- Subordination levels
- Amortization profiles
- Interest reserves
- Guarantor strength
- Security perfection
- Payment priority
- Contingent liabilities
- Step-down triggers
- Call protection
- Covenant strength score
- Structure grade output
Module 8. Cross-Functional Alignment
Lead alignment between credit, legal, and relationship teams on complex lending structures.
12 chapters in this module
- Legal term mapping
- Counsel input points
- Documentation timelines
- Internal committee prep
- RM communication
- Risk appetite sync
- Treasury considerations
- Capital structure views
- Third-party reports
- Insurance requirements
- Compliance links
- Execution sequencing
Module 9. Stress Testing Methodology
Apply scenario rigor to credit proposals with defendable assumptions and clear outcomes.
12 chapters in this module
- Stress test purpose
- Base case definition
- Revenue decline bands
- Margin compression
- Liquidity drawdown
- Interest rate shocks
- Recovery assumptions
- Scenario weighting
- Covenant breach modeling
- Debt service stress
- Sensitivity analysis
- Report format
Module 10. Credit Memo Precision
Write and review credit memoranda that anticipate scrutiny and support fast approvals.
12 chapters in this module
- Memo structure flow
- Executive summary
- Business risk summary
- Financial snapshot
- Rating justification
- Covenant rationale
- Structure analysis
- Stress scenario
- Approval conditions
- Risk mitigants
- Contingency plans
- Clear escalation paths
Module 11. Framework Decision Leadership
Take ownership of framework evolution and exception decisions with confidence.
12 chapters in this module
- Change request process
- Data-driven updates
- Peer benchmarking
- Regulatory alignment
- Back-testing results
- Exception documentation
- Governance logging
- Stakeholder feedback
- Version control
- Training rollout
- Audit readiness
- Continuous improvement
Module 12. Mastery Integration
Apply all components in realistic case studies simulating high-pressure lending decisions.
12 chapters in this module
- Case study setup
- Multi-industry profiles
- Complex capital structures
- Covenant negotiation
- Rating calibration
- EBITDA normalization
- Collateral scoring
- Stress test execution
- Memo drafting
- Committee prep
- Post-decision review
- Lessons captured
How this maps to your situation
- When preparing a borderline credit request
- When leading a cross-functional deal team
- When updating credit policy for a sector
- When defending a decision under review
Before vs. after
Before
Relies on policy handbooks and precedent cases, often deferring to senior review for edge cases
After
Leads framework-level decisions with internal logic mastered cold, able to design and justify novel structures
What's included with your purchase
- 12 modules with 12 chapters each (144 chapters)
- Downloadable templates and worked examples for every module
- Hand-built implementation playbook delivered alongside course access
- 30-day money-back guarantee
Delivery and format
- Course and learning environment access provisioned within 24 hours of purchase
- Hand-built implementation playbook delivered alongside course access
Format: Text-based modules and chapters in the Art of Service learning environment, plus downloadable templates and worked examples for every chapter, plus the hand-built implementation playbook delivered alongside course access.
Time investment: Approximately 3 hours per module, designed for integration into real-time deal cycles.
How this compares to the alternatives
Unlike generic risk courses, this program focuses exclusively on the architecture of commercial credit frameworks, giving you precision others lack. No broad finance overviews or entry-level concepts. This is for practitioners already in the room, ready to lead.
Frequently asked
Who is this course for?
Senior credit risk professionals in commercial banking who are already making or influencing lending decisions and want deeper fluency in framework design.
How is the course structured?
12 modules, each containing 12 chapters (144 chapters total).
Is this about PNC’s internal policies?
No. The course teaches universal credit framework architecture, applicable anywhere, regardless of institution.
$199 one-time. Approximately 3 hours per module, designed for integration into real-time deal cycles..
Within 24 hours your account in the learning environment is provisioned and the tailored implementation playbook is delivered alongside it.
30-day money-back guarantee·
144 chapters·
Hand-built playbook included·
Account access within 24 hours