Non-performing loans rarely appear without warning. They start with a weak appraisal, a loose covenant, an unchecked valuation or a missed signal in the first months after disbursement. Banks, microfinance institutions and SACCOs that lend well follow disciplined routines at every stage of the credit cycle. Over five days you review those routines in detail: borrower and sector analysis, the five Cs of credit, financial statement and cash flow assessment, internal rating, loan structuring, security perfection, approval authorities and documentation.
The second half moves to what happens after the money leaves the bank. You study monitoring, early warning indicators, restructuring, recovery, IFRS 9 staging and expected credit loss, concentration limits and portfolio reporting. Exercises use credit files from trade, agriculture, SME manufacturing and real estate lending. The programme suits credit analysts, relationship managers, loan officers, credit committee members, risk and audit staff, and recovery officers. Afterwards you can write a balanced credit paper, challenge an optimistic projection, set covenants that bite and identify a deteriorating account sooner. Classroom, online and in-house formats are offered, and a CPD-accredited certificate is issued at the end.
Lending remains the largest source of risk for most financial institutions. Rising interest rates, uneven economic conditions and the growth of digital credit have raised the stakes for sound judgement, and supervisors expect lenders to evidence both their appraisal standards and the way they provision for losses. Good practice is the difference between a loan book that supports growth and one that consumes capital.
The course follows the life of a loan. It opens with credit risk fundamentals and policy, then covers borrower assessment, including management quality, industry position, financial analysis and projections. Participants practise structuring facilities, selecting and valuing collateral, drafting covenants, and presenting a recommendation to a credit committee. Later sessions address monitoring, restructuring, workout and write-off, and the accounting and capital consequences of credit losses, including IFRS 9 stages and probability of default, loss given default and exposure at default concepts.
Learning is case-led. Teams review realistic files, debate approval decisions and build their own monitoring tools. Each participant returns to work with checklists and templates that can be adopted in an existing credit process.
At the end of the programme, participants will be able to:
Participants return to work with:
The programme mirrors the real work of a credit department. Participants engage through:
Day 1: The Credit Cycle and Risk Foundations
Day 2: Borrower and Financial Analysis
Day 3: Structuring, Security and Approval
Day 4: Monitoring, Ratings and Provisioning
Day 5: Problem Loans, Recovery and Portfolio Management
The programme suits staff who lend, approve, monitor or review credit, such as:
Attendance throughout and completion of the case exercises earn a CPD-accredited Certificate of Completion from 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 Best Practices in Credit Risk & Lending programme, you'll be able to apply credit policy and risk appetite when originating and approving loans, analyse borrower financial statements and cash flow to judge repayment capacity, structure facilities with tenor, repayment profile, pricing and covenants that match the risk, and evaluate collateral and guarantees and confirm that security is enforceable. The full breakdown of topics is covered session by session in the Course Outline tab above.
The programme suits staff who lend, approve, monitor or review credit, such as: Credit analysts and underwriters, Relationship managers in corporate, commercial and SME banking, Branch managers and loan officers, Credit committee members and heads of credit, Credit risk and portfolio managers, Recovery, collections and workout officers, Internal auditors and compliance officers reviewing lending, and Microfinance and SACCO credit managers.
Best Practices in 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.
Best Practices in 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 Best Practices in Credit Risk & Lending starts October 12, 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 Best Practices in Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Best Practices in 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 Best Practices in 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 — Best Practices in 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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