Credit Analyst Certification Test

The Credit Analyst Certification Test is a free intermediate-level, 20-minute skill test from Science of Apps. It tests core credit analyst skills — financial statement and cash flow analysis, credit risk assessment with the five Cs and key ratios, loan structuring, collateral and covenants, and credit ratings, expected loss and portfolio risk — written to OCC Comptroller's Handbook guidance, the Basel Framework and CFA Program credit analysis for 2026. Score 70% or more on its 20 questions to earn a verifiable Credit Analysis certificate (SOA-CRED). Every question is based on published standards and research — including Comptroller's Handbook: Rating credit risk and commercial lending (Office of the Comptroller of the Currency), CFA Program Level I (CFA Institute), Basel Framework (Bank for International Settlements) — and each answer is explained with its source.

Take the free Credit Analyst Certification Test on Science of Apps. It tests the 5 Cs of credit, financial statement analysis, and cash flow against a 2026–2027 syllabus, and passing earns a verifiable certificate you can add to LinkedIn.

Read the four skill areas on this page, then take the 20-minute test online — no fee, course or sign-up. You see every answer explained when you finish. Score 70% or more and you get a Credit Analysis certificate straight away, on screen, as a PDF and by email, with a credential ID anyone can verify.

Yes. The questions are original scenarios written by Science of Apps, and each one is based on a public source you can read: Comptroller's Handbook: Rating credit risk and commercial lending (Office of the Comptroller of the Currency); CFA Program Level I (CFA Institute); Basel Framework (Bank for International Settlements); Discounted cash flow (DCF) (Investopedia); IFRS Accounting Standards (IFRS Foundation). The source is shown under each question and linked in the answer review. Science of Apps doesn't copy questions from other tests.

Four skill areas with five questions each, drawn from a bank of 10 per area so a retake brings new questions: Financial Statement and Cash Flow Analysis (Statements, Cash flow and Quality of earnings); Credit Risk Assessment (Ratios, Five Cs and Industry and management); Loan Structuring, Collateral and Covenants (Structure, Collateral and Covenants); Ratings, Expected Loss and Portfolio Risk (Risk ratings, PD, LGD, EAD and Monitoring). Every question is an original scenario written to the 2026–2027 standard, with the published source named under it.

Credit analyst, Commercial lending officer, Underwriter, Credit risk analyst and Relationship manager. It suits anyone who wants a quick, verifiable way to show Credit Analyst knowledge in 2026 and 2027, from students and career switchers to experienced professionals.

Common options include the RMA's Credit Risk Certification (CRC), CFA for broader investment analysis, and bank-specific credit training programmes. This free test checks the core analysis skills they share.

DSCR compares cash flow available for debt service with required principal and interest payments. A DSCR below 1.0× means cash flow does not cover debt payments; lenders often require 1.2× to 1.35× or more.

Yes. The test is online, in English and free everywhere — people take it from India, the US, the UK, Europe, Africa, Latin America and Asia-Pacific. Your certificate is dated with your own local date and can be verified from anywhere at scienceofapps.com/certification/verify/.

20 questions — 5 from each of 4 skill areas — with a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

We rate it Intermediate: assumes hands-on experience in the role. It has 20 scenario questions — 5 from each of 4 skill areas — and a 20-minute limit. You need 70% (14 of 20) to pass and 90% for distinction.

Nothing. There is no fee to take a test, to receive the certificate, to have it emailed or to verify it, and no sign-up.

On our server, not in your browser. The answers never reach the page until you submit, so a certificate can only be earned by passing. Each certificate gets a unique credential ID stored by Science of Apps.

You see your score for each area and every question with the correct answer and why, with the published source behind it. You can retake after 30 minutes, and the retake draws questions you haven't seen yet.

No. Every certificate is dated, so it always shows when you passed. Retake a test any time for a newer date or a higher score.

Yes. After you pass, Add to LinkedIn opens the Licenses & certifications form with the certificate name, Science of Apps as the issuer, the issue date, your credential ID and the verification link filled in. You can also download it as a PDF or PNG, and it's emailed to you as a PDF.

Every certificate has a credential ID and a QR code. Scanning it, or entering the ID at scienceofapps.com/certification/verify/, shows the holder's name, the certification, the score and the issue date from our records.

No. They are Science of Apps' own assessments of applied skill. They aren't issued by a university or standards body, and they work best alongside a portfolio that shows the skills in real work.