Certified Credit Research Analyst Practice Test
CCRA exam Format | Course Contents | Course Outline | exam Syllabus | exam Objectives
The Certified Credit Research Analyst (CCRA) designation is a professional certification offered by the Association of International Credit and Trade Finance Professionals (ICTF). The CCRA certification is designed to validate the knowledge and skills of credit professionals in conducting credit research and analysis. Here is an overview of the exam details, course outline, exam objectives, and exam syllabus for the CCRA certification:
Exam Details:
- Number of Questions: The CCRA exam consists of multiple-choice questions. The exact number of questions may vary, but typically ranges between 100 and 120 questions.
- Time: Candidates are usually given a specific time limit to complete the CCRA exam. The allotted time is typically around 2.5 to 3 hours.
Course Outline:
The CCRA certification program covers a comprehensive range of subjects related to credit research and analysis. The course outline typically includes the following key areas:
1. Financial Statement Analysis:
- Understanding and interpreting financial statements, including balance sheets, income statements, and cash flow statements.
- Analyzing financial ratios, trends, and key performance indicators to assess the financial health of a company.
2. Credit Risk Assessment:
- Evaluating credit risk factors, including industry analysis, business models, competitive positioning, and management quality.
- Assessing the creditworthiness and financial stability of borrowers or counterparties.
3. Credit Research and Analysis Methods:
- Conducting thorough credit research and gathering relevant information from various sources.
- Utilizing qualitative and quantitative analysis techniques to evaluate credit risk and make informed credit decisions.
4. Credit Documentation and Risk Mitigation:
- Understanding the importance of credit documentation, including loan agreements, credit policies, and risk mitigation strategies.
- Identifying and mitigating credit risk through collateral, guarantees, and credit enhancement techniques.
Exam Objectives:
The objectives of the CCRA certification exam are as follows:
- Assessing candidates' understanding of credit research and analysis concepts, methodologies, and best practices.
- Evaluating candidates' ability to analyze financial statements, assess credit risk, and make informed credit decisions.
- Validating candidates' knowledge of credit documentation and risk mitigation strategies.
Exam Syllabus:
The CCRA exam syllabus covers various subjects related to credit research and analysis. The specific syllabus may include:
1. Financial Statement Analysis:
- Financial statement components and analysis techniques.
- Financial ratios and their interpretation.
- Cash flow analysis and forecasting.
2. Credit Risk Assessment:
- Industry and sector analysis.
- Business and competitive analysis.
- Management assessment.
3. Credit Research and Analysis Methods:
- Gathering and analyzing financial and non-financial information.
- Credit scoring models and credit rating methodologies.
- Credit risk measurement techniques.
4. Credit Documentation and Risk Mitigation:
- Credit agreements and documentation.
- Collateral valuation and monitoring.
- Credit risk mitigation strategies.
The CCRA certification aims to enhance the professional competence and credibility of credit professionals in the field of credit research and analysis. By obtaining the CCRA designation, professionals demonstrate their expertise in assessing credit risk, making informed credit decisions, and contributing to effective credit management practices.
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Question: 76
Statement 1: The Yields on the MBS PTCs are normally higher than the yields on the corporate bonds of similar ratings. Statement 2: The reason for difference in yields on the corporate bonds and similarly rated PTCs is on account of the optionality in the PTC, the unfamiliarity of the structure and uncertainties in respect of legal and structural issues. Which of the above statements is correct?
1. None of the statements
2. Both the statements
3. Only Statement 2 is correct
4. Only Statement 1 is correct
Answer: D
Question: 77
Which of the following is NOT a conceptual definition of credit risk on which credit models are based?
1. Default Mode Paradigm
2. Value-at-Risk paradigm
3. Mark-to-Market Paradigm
Answer: B
Question: 78
Which of the following is false in case of credit enhancements?
1. It reduces the default risk of the borrowing entity for the lender, thereby deteriorating the overall credit worthiness of the borrower
2. Credit enhancement could be implicit or explicit
3. Credit enhancement is a mechanism whereby external cash flows is extended by an entity which has a stringer credit profile, so that it benefits the fund raising entity
Question: 79
Short term rates are determined by
1. All of the other options
2. Liquidity position caused by seasonal demand supply for credit
3. Foreign portfolio investment inflows and outflows
4. Bunching of tax and government payments
Answer: B
Question: 80
Which of the following factor is considered while undertaking management evaluation?
1. All of the other options
2. Corporate Strategy
3. Performance of group concerns
4. Past track record
Answer: D
Question: 81
The cycle is the length of time between the company's outflow on raw materials and the manufacturing expenses and the inflow of cash from the sale of goods.
1. Cash flow mismatch
2. Money
3. Running
4. Operating
Answer: D
Question: 82
Step up upon feature will lead to
1. no change as step is not linked to issuers rating
2. positive basis because the bond holder is compensated
3. negative basis given that the bondholder is not compensated
Answer: B
Question: 83
Provisioning Coverage Ratio (PCR) is essentially the ratio of provisioning to and indicates the extent of funds a bank has kept aside to cover loan losses.
1. total loan portfolio
2. gross non-performing assets
3. total assets
Answer: B
Question: 84
Strategy consists of buying a bond with maturity longer than the investment horizon (for investor) or buying a long-maturity bond with short-term funding through repo (for speculator).
1. Barbell, Ladder and Butterfly
2. Yield Spread Anticipation
3. Rate Anticipation with Maturity Mismatch
4. Riding the yield curve
Answer: D
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