Learn the analytics behind the decisions.
Short, practical explanations drawn from our full courses, written by a credit risk practitioner with more than 20 years in financial analytics. Each one stands on its own; the course goes the rest of the way.
Mortgage Credit Risk
How to Define Mortgage Default: 90 vs 180 Days Past Due
Mortgage default is a chosen threshold, not an event. Compare 60, 90 and 180 days past due definitions and Freddie Mac zero-balance codes for PD and LGD.
6 min readPD, LGD and EAD Explained for Mortgage Credit Risk
Learn how PD, LGD and EAD combine into expected loss for mortgages, where each lives in Freddie Mac loan-level data, and why each is hard to model.
8 min readEnterprise Risk Management
Risk Appetite, Tolerance and Limits in Banks Explained
Learn the difference between risk capacity, appetite, tolerance and limits in banks and credit unions, and how to test whether an appetite statement works.
9 min readThe Three Lines Model Explained: The 2026 IIA Update
How the IIA three lines model works in banks and credit unions, what changed in the 2026 update, and why assurance and advice must be kept distinct.
8 min read