Prove your credit skills by earning The Risk Management Associations

Credit Essentials Certificate


Apply for a scholarship through The Risk Management Association (RMA) Foundation Scholarship Program

The Risk Management Association (RMA) is pleased to offer scholarships to students in an undergraduate program who are interested in working in the banking industry after graduation.


RMA is offering students like you a chance to validate your credit skills.

The Credit Essentials Certificate exam validates your knowledge and skills on a variety of commercial credit risk analysis topics including:

  • Getting to know the customer.

  • Analyzing nonfinancial techniques.

  • Understanding the numbers: financial statements.

  • Understanding the numbers: cash flow.

  • Understanding cash flow: projections.

  • Understanding the numbers: management and strategy.

  • Loan structuring.

  • Collateral and third-party support.

  • Retail credit.

  • Personal financial statements and tax returns.

  • Business tax returns.

  • Global cash flow.

  • Loan documentation.

Demonstrating your comprehension of these skills by passing an independent exam such as this will distinguish you from other individuals when seeking employment opportunities in the world of banking.


If you want to improve certain skills before you take the exam, but cannot do so because your university lacks a course on the subject(s), you may request free access to RMA’s online courses as a student member. Plus, included in the registration fee for the Credit Essentials Certificate is access to a free study guide, Commercial Credit Essentials, that we'll make available to you in a PDF after you register.