Live Online Applied Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Oct 26, 2026 · from USD 800
Every loan is a judgement about whether a borrower will repay, and a few poor judgements can erase the margin earned on hundreds of good ones. Five days build the analytical and decision skills that lenders use to approve sound credit and spot trouble early. You start with the credit process and the five Cs, then spread financial statements, analyse cash flow, ratios and projections, and test repayment capacity under stress.
From there you move into facility structuring, security and covenants, internal rating and scoring models, pricing for risk and credit approval papers. Later sessions cover expected credit loss under IFRS 9, stage migration, early warning indicators, restructuring and the recovery process,. Case files cover corporate, SME, trade finance and retail exposures, and spreadsheet workshops let you build a rating scorecard and a simple provisioning model. The programme is valuable to credit analysts, relationship managers, loan officers, credit committee members, risk and collections staff, SACCO and microfinance managers and auditors in banks, development finance institutions and non-bank lenders. Delivery is classroom, online or in-house with a CPD-accredited certificate. You return able to write a credit paper with a clear recommendation and defend it to a committee.
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
- Oct 26, 2026, Nov 23, 2026, Dec 21, 2026
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
Lenders in emerging markets face uneven borrower information, volatile currencies and cash flows that follow harvest, commodity and project cycles. Rising non-performing loans, tighter capital rules and the expected credit loss approach of IFRS 9 mean that credit decisions are scrutinised more closely than ever by boards, regulators and auditors. Institutions that lend on collateral alone, or that lack a consistent method of analysis, tend to find out too late where the risk was.
The Applied Credit Risk & Lending Training Course follows a loan through its life. Participants begin with the credit policy, risk appetite and the sources of credit risk, then learn to read and spread financial statements, analyse management quality, industry conditions and cash flow, and determine debt service capacity. The structuring sessions deal with loan products, tenor, security valuation, guarantees, covenants and conditions precedent. Rating and scoring methods, pricing and credit committee documentation follow, before the course turns to monitoring, provisioning, restructuring and recovery.
Teaching is built on cases and calculations. Participants analyse real-style borrower files, apply ratios and sensitivity tests, assign ratings and write recommendations. By the final day they will have compiled a complete credit paper and an action plan for improving credit quality in their own portfolios.
Training Objectives
By the end of the course, participants will be able to:
- Describe the credit lifecycle and the policies that govern each stage.
- Spread financial statements and compute the ratios that matter for repayment capacity.
- Prepare cash flow analysis and stress-test projections for corporate and SME borrowers.
- Structure facilities with suitable tenor, security, covenants and conditions.
- Assign internal risk ratings and interpret credit scoring outputs.
- Price loans to reflect risk, cost of funds and capital.
- Apply IFRS 9 staging and expected credit loss concepts to a portfolio.
- Recognise early warning signs and select restructuring or recovery actions.
What you'll learn
Key Takeaways
Participants leave with:
- A financial spreading and ratio template for borrower analysis.
- A worked cash flow and sensitivity model.
- A credit paper format with recommendation, risks and mitigants.
- A basic scorecard for rating small and medium borrowers.
- A simple IFRS 9 staging and provisioning workbook.
- An early warning checklist and recovery decision guide.
Training Methodology
The course favours calculation, case work and committee practice. Delivery includes:
- Borrower case files from corporate, SME, trade and retail lending
- Spreadsheet labs for ratios, cash flow stress tests and provisioning
- Mock credit committee sessions with questioning and decisions
- Group analysis of failed loans to identify missed signals
- Feedback on each participant's credit paper
Day 1: The Credit Process and Borrower Assessment
- Credit policy, risk appetite and delegated authority
- Types of credit risk: default, concentration and counterparty
- Sources of information and know-your-customer checks
- Character, capacity, capital, collateral and conditions
- Assessing management and industry risk
- Exercise: reviewing a loan application
Day 2: Financial Statement Analysis and Cash Flow
- Spreading balance sheets and income statements
- Liquidity, leverage, profitability and efficiency ratios
- Cash flow statements and working capital cycles
- Debt service coverage and repayment capacity
- Quality of earnings and signs of window dressing
- Workshop: spreading and analysing a corporate borrower
Day 3: Structuring, Security and Pricing
- Matching facility type, tenor and repayment profile to the need
- Security options, valuation and perfection
- Guarantees, covenants and conditions precedent
- Internal rating models and scorecards
- Risk-based pricing and return on capital
- Exercise: structuring a term loan and a working capital line
Day 4: Portfolio Quality and Expected Credit Loss
- Loan classification and non-performing loan metrics
- IFRS 9 stages, probability of default, loss given default and exposure
- Forward-looking information in provisioning
- Concentration limits and sector exposure
- Credit portfolio reporting to management and the board
- Spreadsheet lab: a simple ECL calculation
Day 5: Monitoring, Restructuring and Recovery
- Early warning indicators and watchlists
- Site visits, covenant tracking and review cycles
- Restructuring, rescheduling and when not to restructure
- Recovery strategies, realisation of security and write-off
- Writing and presenting a credit paper to committee
- Final case presentation and personal action plans
The course is designed for professionals who originate, approve or monitor credit, including:
- Credit analysts and credit risk officers
- Relationship managers and business bankers
- Loan officers in banks, SACCOs and microfinance institutions
- Credit committee members and heads of credit
- Collections and recovery officers
- Trade finance and asset finance officers
- Internal and external auditors reviewing loan books
- Development finance and fund managers lending to enterprises
Participants who attend the sessions and complete the case exercises are awarded a CPD-accredited Certificate of Completion by Vision Reach Global Consultancy.
It records completed training and does not replace a banking licence or professional credit qualification.
Choose Where You Want to Learn
Applied 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 Applied Credit Risk & Lending Training Course
Everything you need to know about this course before you register.
By the end of the Applied Credit Risk & Lending programme, you'll be able to describe the credit lifecycle and the policies that govern each stage, spread financial statements and compute the ratios that matter for repayment capacity, prepare cash flow analysis and stress-test projections for corporate and sme borrowers, and structure facilities with suitable tenor, security, covenants and conditions. The full breakdown of topics is covered session by session in the Course Outline tab above.
The course is designed for professionals who originate, approve or monitor credit, including: Credit analysts and credit risk officers, Relationship managers and business bankers, Loan officers in banks, SACCOs and microfinance institutions, Credit committee members and heads of credit, Collections and recovery officers, Trade finance and asset finance officers, Internal and external auditors reviewing loan books, and Development finance and fund managers lending to enterprises.
Applied 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.
Applied 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 Applied Credit Risk & Lending starts October 26, 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 Applied Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Applied Credit Risk & Lending Training Course is pitched at intermediate 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 Applied 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 — Applied 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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