Rising non-performing loans, volatile currencies and concentrated exposures test even experienced credit teams, and weak underwriting or late recognition of stress shows up quickly in provisions and capital. Five days sharpen the judgement and technical tools needed at senior level. You analyse corporate and project borrowers through cash flow, leverage and sensitivity testing, assign internal ratings, estimate probability of default, loss given default and exposure at default, and apply IFRS 9 staging and expected credit loss. Further sessions cover loan structuring, covenants and security, concentration and stress testing, early warning signals, restructuring and recovery.
The programme is designed for senior credit analysts, credit risk managers, corporate and commercial relationship managers, credit committee members, portfolio managers, internal auditors and regulators in banks, microfinance banks, development finance institutions and SACCOs. Exercises use full sample credit files and a loan portfolio spreadsheet. Afterwards you can write a persuasive credit memorandum, challenge a rating, build a simple ECL calculation, propose terms that match the risk and plan workout steps for a deteriorating account. You can attend in a classroom, online or in-house, and a CPD-accredited certificate is awarded.
Credit is the largest source of risk for most banks and lenders, and the margin between a healthy and an impaired portfolio is often the quality of decisions made at origination and the speed of response afterwards. Regulators expect forward-looking provisioning and strong governance, shareholders expect returns, and borrowers in volatile economies need structures that survive shocks. Senior practitioners must therefore combine sound financial analysis with modelling, legal awareness and commercial judgement.
This advanced programme builds on core lending skills. It starts with the credit risk framework and risk appetite, then moves into in-depth financial statement and cash flow analysis, including adjustments, projections and sensitivity cases. Participants study rating system design, scorecards, and the estimation of PD, LGD and EAD, followed by IFRS 9 stage allocation and expected credit loss, including the use of macroeconomic scenarios. The middle sessions address structuring of term loans, working capital, trade finance and project finance, collateral valuation, guarantees and covenant design. The closing days focus on portfolio concentration, stress testing, early warning, restructuring, recovery and credit governance.
The learning method is case-led. Participants analyse realistic borrowers, work with spreadsheets, defend their recommendations before a mock credit committee and leave with models and templates tailored to their institution.
By the end of the course, participants will be able to:
Participants leave with:
The week is analytical and discussion based, using:
Day 1: Credit Risk Framework and Borrower Analysis
Day 2: Projections, Ratings and Scorecards
Day 3: Loss Parameters and IFRS 9
Day 4: Structuring, Security and Pricing
Day 5: Portfolio Management and Problem Loans
The course is intended for experienced lending and risk professionals such as:
Participants who complete the case analyses and attend all sessions are issued a CPD-accredited Certificate of Completion by Vision Reach Global Consultancy.
Upcoming cohorts
CPD-Accredited
Official invoice & confirmation letter provided
Team discount for 3+ seats
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Everything you need to know about this course before you register.
By the end of the Advanced Credit Risk & Lending programme, you'll be able to analyse corporate borrowers using cash flow, leverage, liquidity and sensitivity techniques, assign and defend internal risk ratings using quantitative and qualitative factors, estimate probability of default, loss given default and exposure at default, and apply ifrs 9 staging and calculate expected credit loss with forward-looking scenarios. The full breakdown of topics is covered session by session in the Course Outline tab above.
The course is intended for experienced lending and risk professionals such as: Senior credit analysts and credit officers, Credit risk and portfolio managers, Corporate, commercial and SME relationship managers, Credit committee members and heads of credit, Recovery, collections and workout officers, Internal auditors and risk-based reviewers of loan books, Central bank and regulatory examiners, Credit staff in microfinance banks, SACCOs and development finance institutions, and Investment officers in funds that lend to businesses.
Advanced Credit Risk & Lending Training Course typically runs as 5 Days. It's available as in-person classroom, live virtual, and in-house corporate training — every course can also be delivered on-site for your team on dates that suit you.
Advanced Credit Risk & Lending Training Course is scheduled in-classroom in Nairobi, Kenya, Mombasa, Kenya, Naivasha, Kenya, and Kisumu, Kenya, and 14 other locations, plus a live interactive virtual classroom you can join from anywhere. Check the schedule panel above for exact upcoming dates and fees in each location.
The next live virtual cohort of Advanced Credit Risk & Lending starts November 2, 2026, with new classroom cohorts also running on a rolling basis. Pick a date and location in the schedule panel above, then click "Register for the Course" — it takes a few minutes and your seat is confirmed once payment or a signed purchase order is received.
Yes — delegates who meet the attendance requirement receive a Certificate of Completion for Advanced Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Advanced Credit Risk & Lending Training Course is pitched at advanced professionals. If you're unsure whether it's the right fit for your current role or background, message our training advisors before you register and they'll help you confirm.
Fees for Advanced Credit Risk & Lending Training Course vary by delivery location and format and are shown in real time in the schedule panel above once you pick a date. Register 3 or more delegates on the same course together and a 5% team discount is applied automatically — larger cohorts can request a custom corporate quote.
Yes — Advanced Credit Risk & Lending Training Course can be delivered on-site at your offices (or virtually for distributed teams), with case studies and examples tailored to your industry and the specific challenges your team is working through. Switch to the "In-House" tab in the schedule panel above to request a proposal.
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