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Certified Credit Risk Analyst

Certified Credit Risk Analyst

CCRA . ACCRA . SCCRA

A globally recognised, three-tier credit risk certification delivered in China — equipping banking professionals with the knowledge, skills, and ethical grounding to manage credit risk, evaluate financial statements, and build a sound credit culture.
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3 certification levels

10-day · 80-hour program

In-person & virtual

ISOFP certified · bilingual

PROGRAM OVERVIEW

What is the CCRA?

The Certified Credit Risk Analyst (CCRA) is one of the most widely held credit risk certifications in North America and Asia — introduced in China in 2012 through a formal agreement between ISOFP and the China Financial Training Centre (People’s Bank of China, Beijing Training Institute).

Since its introduction, the CCRA has been universally recognised and endorsed by major financial institutions across China — with state-owned banks, joint-stock banks, city commercial banks, rural commercial banks, and rural credit cooperatives all actively encouraging staff participation.

As of June 2024, over 30,000 credit and risk professionals across China hold a CCRA certification — and the certificate has been adopted by several institutions as a standard criterion for credit role advancement.

PROGRAM HIGHLIGHTS

Global certification
One of the most popular credit credentials in North America — widely recognised across Europe, Asia-Pacific, and beyond.

Authoritative in China
Exclusively introduced by the China Financial Training Centre (People’s Bank of China), with a dedicated China Standards Board.

China-localised content
Chinese-language curriculum, textbooks, and exams — with Chinese legal regulations and case studies fully integrated.
Practical & progressive
Covers credit theory through to strategy — structured to progress from fundamentals to senior decision-making level.

ADOPTED BY

State-owned commercial banks · Joint-stock banks · City commercial banks · Rural commercial banks · Rural credit cooperatives · Agricultural credit societies

CERTIFICATION LEVELS

A three-tier progression system

The CCRA is structured across three levels — each building on the last. Progress at your own pace, and carry forward exemptions from previously passed subjects.

Entry Level

ACCRA

Assistant Certified Credit Risk Analyst

For university students, new bank employees, and entry-level credit and marketing staff.

  • Credit Management Ethics & Legal Regulations
  • Credit Management Theory & Practice
  • Credit Marketing & Customer Relationship Management
Diploma or above; undergraduate students; finance college students

Professional Level

CCRA

Certified Credit Risk Analyst

For banking professionals — focused on developing credit business specialists and core practitioners.

  • Credit Management Ethics & Legal Regulations
  • Credit Management Theory & Practice
  • Credit Marketing & Customer Relationship Management
  • Enterprise Financial Statement Analysis & Credit Evaluation
  • Credit Risk Management
Diploma + 4 years experience; degree + 2 years experience; or postgraduate finance students

Senior Level

SCCRA

Senior Certified Credit Risk Analyst

For senior bank managers and credit specialists — focused on developing credit decision-makers.

  • Credit Management Ethics & Legal Regulations
  • Credit Management Theory & Practice
  • Credit Marketing & Customer Relationship Management
  • Enterprise Financial Statement Analysis & Credit Evaluation
  • Credit Risk Management
  • Credit Management Strategy
  • Credit Management Case Studies

Diploma + 8 yrs; Degree + 6 yrs; Master’s + 4 yrs; PhD + 2 yrs; or CCRA holders with 3+ years experience

Holders of ACCRA or CCRA certificates are exempt from re-sitting previously passed subjects when advancing to the next level.
ASSESSMENT & CERTIFICATION

How the CCRA examination works

Examinations are administered by ATA — a professional testing institution — and held four times per year across China.

Exam Schedule

Four national unified exams per year — held in March, June, September, and December. Exact dates announced on the official website four weeks prior.

Exam Format

Closed-book computer-based exam. Question types include single-choice questions and case study questions — each with a single correct answer.
Language
All exams, textbooks, and teaching materials are delivered in Mandarin Chinese, with content adapted to Chinese banking regulations and case studies.

Certificate Issuance

ISOFP issues an English-language certificate. A bilingual (Chinese–English) certificate is co-issued by ISOFP and the CCRA China Standards Board.

Continuing Education

The China Standards Board provides ongoing continuing education for certified holders — updating knowledge structures and maintaining professional competency.

Administered By

The CCRA China Standards Board — comprising experts from the People’s Bank of China, policy banks, commercial banks, universities, and research institutions.

KEY LEARNING OUTCOMES

What you will walk away with

The CCRA equips credit professionals with both the theoretical foundation and the practical skills to excel at every level of China’s banking and credit industry.

Credit & Risk Management Theory

A systematic upgrade of credit and risk management knowledge — benchmarked to international standards.

Financial Statement Analysis

Practical skills in interpreting and analysing enterprise financial statements and conducting credit evaluation.

Risk Identification & Avoidance

Proven frameworks — qLoop, HCF, Trust Formula — to prospect, engage, and convert HNW clients with confidence and authenticity.

Credit Marketing & CRM

Skills in credit marketing, customer relationship management, and developing client trust through professional standards.

Ethics & Regulatory Compliance

Comprehensive understanding of credit management ethics, Chinese legal regulations, and best practice compliance frameworks.

Career Advancement

The CCRA is recognised by major Chinese banks as a standard for credit role advancement — opening doors at every career stage.

REAL STORIES

What CCRA holders say

The SCCRA pushed my thinking from operational credit management to strategic decision-making. It is the most comprehensive credit risk program I have encountered — and the bilingual certification adds real weight when dealing with international counterparties.
LJ Li Jianhua Risk Management Director, Shenzhen, China SCCRA certified
As a fresh graduate entering the banking sector, the ACCRA gave me a solid professional foundation before I even started my first credit role. The ethics and legal regulations module was especially relevant for navigating China's regulatory environment.
WF Wang Fang Credit Officer, Chengdu, China ACCRA certified
After completing CCRA I went straight to SCCRA. The exemption system made the progression smooth and my institution fully supported the journey — it is now a standard requirement for our credit team promotions.
CL Chen Lei Head of Credit Risk, Guangzhou, China SCCRA certified
I completed the CCRA as a new bank employee and it accelerated my learning curve significantly. The financial statement analysis module alone changed how I evaluate loan applications every single day.
ZW Zhang Wei Credit Analyst, Shanghai, China CCRA certified
The CCRA gave me the technical depth and credibility to move into a senior credit role. The three-tier structure meant I could progress at my own pace — and the China-specific content was immediately applicable to my daily work.
LM Liu Ming Senior Credit Manager, Beijing, China SCCRA certified

Ready to advance your credit career?

Register for the CCRA today — choose the level that fits your experience and progress at your own pace across China’s banking sector.
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Questions? Contact us at info@isofp.org or visit isofp.chinaccra.cn