Background
Strengthen Lending Decisions with Data-Driven Credit Risk Intelligence.

Assess Loan Portfolio Risk and Approval Drivers

Evaluate customer credit profiles, approval patterns, and default risk to strengthen lending decisions and portfolio quality.

Banking & Financial Services Difficult 60 min
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Why this work was commissioned

Banking leadership requires a consolidated view of loan approvals, default behavior, and credit risk drivers to control losses and improve lending profitability. This analysis supports credit policy refinement, borrower segmentation, and risk monitoring decisions.

Revolutionary Active Learning

  • You are expected to analyze customer and loan data to identify approval drivers, default risk patterns, and demographic risk concentrations.
  • Findings must be numerically accurate, logically defensible, and suitable for credit and risk committees.

How it works

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Skills that will help before starting:

  • Excel analytical skills
  • Understanding of credit risk concepts
  • Ability to interpret financial metrics

Skills you will learn and practice:

Risk Segmentation Loan Performance Analysis Demographic Risk Assessment Credit Policy Interpretation
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Why This Simulation Works

Credit-Relevant Metrics

  • All calculations align with banking risk and approval decisions.

Multi-Factor Risk Evaluation

  • Risk is assessed across financial, demographic, and regional dimensions.

Operational Applicability

  • Outputs mirror real credit committee reviews.

Simulation Breakdown

1 Excel Review Banking Dataset
  • Understand customer, loan, and credit score fields
  • Validate approval and default indicators
2 Excel Analyze Loan Portfolio Overview
  • Compute approval and default rates
  • Evaluate loan type distribution
3 Excel Assess Credit Score Impact
  • Compare default rates by credit score bands
  • Evaluate approval probability differences
4 Excel Evaluate Demographic and Regional Risk
  • Analyze age, gender, and regional trends
  • Identify high-risk concentrations
5 Excel Prepare Risk Management Outputs
  • Draft banking risk memo
  • Create executive presentation for management

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