Prompt course · 8 lessons · 24 prompts · 1 hour · Beginner
AI for Credit Analysts
This prompt course helps credit analysts use AI for financial statements, debt ratios, loan reviews, risk assessment, credit memos, portfolio monitoring, policy updates, and borrower communication. You learn the prompts, how to check the output, and how to keep your judgment in charge.
What you'll learn
- Summarize statements: Ask AI to turn three years of financial statements into trends, red flags, and follow-up questions.
- Check debt ratios: Use AI to calculate and interpret debt service coverage, debt-to-equity, and current ratio, then verify the numbers.
- Review applications: Have AI organize a loan application into borrower background, repayment sources, collateral, and open questions.
- Assess credit risk: Combine financial, industry, and repayment factors into a reasoned risk view with clear reasons.
- Draft credit memos: Create a first draft with analysis, supporting numbers, and a firm recommendation, then improve it.
- Monitor portfolios: Prepare watchlist, exception, and covenant updates from portfolio data and recent borrower notes.
- Update credit policy: Use AI to explain, test, and refresh credit policies against current lending practice.
- Communicate clearly: Shape messages for borrowers, relationship managers, and credit committees with the right tone and detail.
What's inside
8 lessons · 24 prompts- Before you start · framework course RACE Prompt Framework: Role, Action, Context, ExpectationRACE fits credit analysts because role, action, context, and expectation produce loan reviews, like evaluating a manufacturer's debt-to-equity ratio and repayment history.
- Start here Priya's Thursday, Two WaysA day in the life of a Credit Analyst, before and after these prompts.
- 01 Lesson 1 · 3 prompts Financial Statement Analysis
- 02 Lesson 2 · 3 prompts Debt Ratio Calculations
- 03 Lesson 3 · 3 prompts Loan Application Review
- 04 Lesson 4 · 3 prompts Credit Risk Assessment
- 05 Lesson 5 · 3 prompts Credit Memo Drafting
- 06 Lesson 6 · 3 prompts Portfolio Monitoring
- 07 Lesson 7 · 3 prompts Credit Policy Updates
- 08 Lesson 8 · 3 prompts Borrower And Committee Communication
About this course
7 topicsPrompts for Credit Analysts, From File to Memo
This course teaches you how to use AI prompts for the daily work of a credit analyst. You will practice with loan files, financial statements, debt ratios, credit memos, portfolio reviews, and policy questions.
Each lesson gives you a prompt you can adapt, a way to check the answer, and a clear next step. The aim is simple: better preparation, cleaner writing, and more time for the judgment that credit work requires.
The lessons
- Financial Statement Analysis: Use AI to turn a borrower's financial statements into a clear summary of trends, red flags, and follow-up questions.
- Debt Ratio Calculations: Use AI to calculate, interpret, and check the debt ratios that drive credit decisions.
- Loan Application Review: Use AI to review loan applications and organize borrower information into a structured credit picture.
- Credit Risk Assessment: Use AI to assess credit risk by combining financial, industry, and repayment factors into a reasoned view.
- Credit Memo Drafting: Use AI to draft and improve credit memos with clear analysis, supporting numbers, and a firm recommendation.
- Portfolio Monitoring: Use AI to monitor portfolio performance and prepare watchlist, exception, and covenant updates.
- Credit Policy Updates: Use AI to update, explain, and test credit policies and procedures against current lending practice.
- Borrower And Committee Communication: Use AI to prepare clear communication with borrowers, relationship managers, and credit committees.
What the Course Covers
The course follows the credit analyst workflow from first look to final communication. You will work through financial statement analysis, debt ratio calculations, loan application review, credit risk assessment, credit memo drafting, portfolio monitoring, credit policy updates, and borrower and committee communication.
Every lesson uses a prompt you can save and reuse. You will see how to feed in the right details, what to ask for, and how to spot an answer that needs correction.
How the Lessons Connect
The lessons build in the same order you would handle a real file. You start by reading the statements, then check ratios, review the application, form a risk view, and write the memo.
Later lessons help you monitor the portfolio, update policy, and communicate with borrowers or committee members. The order keeps the work grounded in the credit decision, not in the tool.
How to Use Prompts Well
Good prompts give AI a clear role, the facts it needs, and the format you want. For example, ask for a short summary, a list of red flags, and three follow-up questions.
Always read the answer with your own eyes. Check every number, ask for the source, and rewrite anything that sounds vague or too confident.
Who This Course Is For
This course is for credit analysts who review loan applications, assess borrower health, and recommend credit limits or approvals. It is also useful for senior analysts, credit managers, and team members who write or review memos.
You do not need coding skills or a technical background. You need a real interest in making your credit work faster and clearer.
Safety and Privacy
Borrower information is sensitive. Follow your bank's rules about what can be entered into an AI tool, and leave out names, account numbers, and private details when you can.
Use approved tools, keep your prompts within policy, and treat AI output as a draft that needs review. You are responsible for what leaves your desk.
Your Next Step
Pick one lesson and one live file. Run the prompt, check the result, and note what you would change.
Then move to the next lesson and build a small prompt library for your role. Over time, the course becomes a set of habits you can trust.