Live Online Advanced Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Nov 2, 2026 · from USD 800
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.
At a Glance
How Live Online Training Works
Live online training, led by a trainer in real time, for participants anywhere.
More about live online training →- Format
- Live online, instructor-led
- Duration
- Mon - Fri (5 Days)
- Fee
- USD 800 (KES 80,000)
- Next start dates
- Nov 2, 2026, Nov 30, 2026, Dec 28, 2026
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
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.
Training Objectives
By the end of the course, participants will 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.
- Apply IFRS 9 staging and calculate expected credit loss with forward-looking scenarios.
- Structure facilities with suitable tenor, security, covenants and pricing.
- Value collateral and assess the enforceability of guarantees and security.
- Measure portfolio concentration and run credit stress tests.
- Manage problem loans through early warning, restructuring and recovery.
What you'll learn
Key Takeaways
Participants leave with:
- A reusable credit analysis spreadsheet with cash flow projections and sensitivity cases.
- A rating grid they can adapt to their own borrower segments.
- A simple expected credit loss workbook following IFRS 9 stages.
- A covenant and security checklist for different facility types.
- A credit memorandum drafted and defended in a mock committee.
- A problem loan action plan with early warning triggers and workout options.
Training Methodology
The week is analytical and discussion based, using:
- Full credit files covering manufacturing, trading, real estate and agribusiness borrowers
- Spreadsheet labs for projections, ratings and ECL
- Mock credit committees where participants defend recommendations
- Short briefings on regulatory and accounting developments
- Peer review of memoranda and problem loan plans
Day 1: Credit Risk Framework and Borrower Analysis
- Credit risk governance, risk appetite and delegated authority
- The credit process from origination to monitoring
- Financial statement analysis and quality of earnings
- Cash flow, leverage, coverage and liquidity ratios
- Management, industry and business risk assessment
- Case study: a borrower with strong profit and weak cash flow
Day 2: Projections, Ratings and Scorecards
- Building projections and downside cases
- Sensitivity and break-even analysis
- Design of internal rating scales and scorecards
- Back-testing and validating rating performance
- Overrides, calibration and rating migration
- Exercise: rating five borrowers from different sectors
Day 3: Loss Parameters and IFRS 9
- Probability of default, loss given default and exposure at default
- Staging criteria: significant increase in credit risk and default
- Expected credit loss calculation, discounting and collateral effects
- Forward-looking macroeconomic scenarios and overlays
- Disclosure and audit expectations
- Lab: building a basic ECL model in Excel
Day 4: Structuring, Security and Pricing
- Term loans, working capital, trade finance and asset finance
- Project and syndicated lending fundamentals
- Collateral valuation, haircuts and perfection of security
- Guarantees, covenants and conditions precedent
- Risk-based pricing and return on capital
- Mock credit committee on a structured facility
Day 5: Portfolio Management and Problem Loans
- Concentration limits and sector exposure management
- Credit stress testing and reverse stress testing
- Early warning indicators and watchlist procedures
- Restructuring, forbearance and recovery strategies
- Write-offs, provisioning and lessons learned
- Personal action plan and review
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
- Investment officers in funds that lend to businesses
Participants who complete the case analyses and attend all sessions are issued a CPD-accredited Certificate of Completion by Vision Reach Global Consultancy.
Choose Where You Want to Learn
Advanced Credit Risk & Lending Training Course Venues
KenyaNairobiNext Nov 9· 13 dates$1,500- KenyaMombasaNext Oct 26· 13 dates$1,600
- KenyaNaivashaNext Nov 2· 13 dates$1,500
- KenyaKisumuNext Oct 26· 13 dates$1,500
- KenyaMachakosNext Nov 2· 13 dates$1,600
UgandaKampalaNext Nov 2· 13 dates$1,900
RwandaKigaliNext Oct 26· 13 dates$1,900
TanzaniaArushaNext Nov 9· 13 dates$1,900- TanzaniaDodomaNext Oct 26· 13 dates$1,800
- TanzaniaDar es SalaamNext Oct 26· 13 dates$2,000
- TanzaniaZanzibarNext Nov 16· 13 dates$2,600
NigeriaLagosNext Nov 16· 13 dates$2,800- NigeriaAbujaNext Nov 9· 13 dates$2,800
South AfricaPretoriaNext Nov 2· 13 dates$3,200- South AfricaJohannesburgNext Nov 2· 13 dates$3,400
- South AfricaCape TownNext Oct 26· 13 dates$3,800
UAEDubaiNext Oct 26· 13 dates$3,800
GhanaAccraNext Nov 16· 13 dates$4,500
Scroll sideways to see all 18 cities →
Frequently Asked Questions About Live Online Advanced Credit Risk & Lending Training Course
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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