Live Online Financial Management for Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Nov 9, 2026 · from USD 800
Loan books drive a lender's profit, but they also drive most of its losses. A weak appraisal, a mispriced facility or late recognition of impairment can erase a year of earnings, and rising non-performing loans quickly reach capital and liquidity. Finance and credit teams therefore need a shared language for risk, return and provisioning. Over five days, this programme builds that language in a practical, numbers-led way.
Sessions run from financial statement analysis and cash flow based credit appraisal through risk-based pricing, security valuation, loan structuring and covenant design. Participants then study portfolio management, concentration limits, expected credit loss under IFRS 9, stage allocation, provisioning and capital adequacy. The final day addresses early warning signals, restructuring, collections and write-offs. The course will help credit analysts, relationship managers, loan officers, credit risk and finance managers, SACCO and microfinance managers and internal auditors in banks and non-bank lenders. Afterwards you can prepare a credit memorandum, estimate a provision and interpret portfolio reports. Training is offered in the classroom, online or in-house, and completion earns a CPD-accredited certificate.
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 9, 2026, Dec 7, 2026, Jan 4, 2027
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
Lending remains the main source of income for banks, SACCOs and microfinance institutions in Africa, and it is also where their greatest vulnerabilities lie. Economic shocks, weak borrower information and rapid growth in unsecured and digital loans have pushed many institutions to rethink how they price, monitor and provision credit.
In this Financial Management for Credit Risk & Lending Training Course, participants follow a loan through its financial life. They begin with borrower analysis, using ratio analysis, cash flow projections and sector knowledge to judge repayment capacity, then examine collateral, guarantees and loan structure. The course next connects credit decisions to the income statement and balance sheet: interest margins, fees, funding costs, expected credit loss and the capital that supports the portfolio.
The approach is case driven. Participants work through borrower files, build simple spreadsheet models for pricing and provisioning, and interpret portfolio quality reports such as ageing analyses and vintage curves. They also practise presenting credit proposals and recovery plans to a credit committee. By the end, each participant will have a completed credit appraisal, a worked IFRS 9 example and a list of changes to consider in their own lending policy.
Training Objectives
By the end of the course, participants will be able to:
- Analyse borrower financial statements and cash flows to determine repayment capacity.
- Structure facilities with suitable security, covenants and repayment profiles.
- Apply risk-based pricing that covers funding cost, expected loss, operating cost and target return.
- Calculate expected credit loss using probability of default, loss given default and exposure at default.
- Allocate exposures to IFRS 9 stages and explain the effect on provisions and earnings.
- Monitor portfolio quality using ageing, concentration and early warning indicators.
- Design restructuring and recovery strategies for distressed loans.
What you'll learn
Key Takeaways
Participants leave the course with:
- A structured credit appraisal template with ratio and cash flow sections.
- A pricing spreadsheet linking funding cost, risk premium and target return.
- A worked expected credit loss example using IFRS 9 staging.
- A one-page portfolio quality dashboard layout.
- A checklist of early warning signs and escalation steps.
- Suggested improvements to lending policy and recovery procedures in their own institutions.
Training Methodology
The course is built around the figures and judgements that lending teams handle every day. Methods include:
- Borrower case files covering retail trading, agriculture, manufacturing and services
- Spreadsheet workshops for ratio analysis, cash flow projection, pricing and provisioning
- Credit committee role plays where participants defend or challenge proposals
- Portfolio report reading exercises with ageing and vintage data
- Facilitated discussion of participants' own lending challenges
Day 1: Credit Risk and the Lending Business Model
- How lending creates profit and risk
- The credit cycle and the role of finance and risk functions
- Types of credit risk: default, concentration and counterparty
- Credit policy, risk appetite and delegated authorities
- The five Cs and modern credit assessment methods
- Exercise: analysing a lender's balance sheet and loan mix
Day 2: Borrower Analysis and Appraisal
- Reading financial statements of SMEs and corporates
- Ratio analysis: liquidity, leverage, coverage and efficiency
- Cash flow forecasting and sensitivity testing
- Assessing management, sector and business risk
- Cash flow lending for informal and agricultural borrowers
- Case study: complete appraisal of a loan request
Day 3: Structuring, Security and Pricing
- Choosing facility type, tenor and repayment profile
- Collateral valuation, haircuts and perfection of security
- Guarantees, covenants and conditions precedent
- Risk-based pricing: funding cost, expected loss, overheads and margin
- Fees, effective interest rate and profitability by product
- Workshop: pricing a loan to meet a return target
Day 4: Provisioning, Capital and Portfolio Management
- Expected credit loss under IFRS 9: stages, PD, LGD and EAD
- Forward-looking information and macroeconomic overlays
- Impact of provisioning on profit and capital
- Concentration limits and sector exposure management
- Portfolio reports: ageing, vintage and roll-rate analysis
- Exercise: building a simple provisioning model
Day 5: Monitoring, Restructuring and Recovery
- Early warning indicators and watch lists
- Loan reviews and covenant monitoring
- Restructuring options and when to avoid them
- Collections strategy, legal recovery and realisation of security
- Write-offs, recoveries and accounting treatment
- Action plan and course review
The course serves professionals who originate, approve, account for or oversee loans, such as:
- Credit analysts and credit committee members
- Relationship managers in corporate, SME and retail banking
- Credit risk and portfolio managers
- Finance managers and financial controllers in lenders
- SACCO, microfinance and digital lender managers
- Collections and recoveries officers
- Internal and external auditors reviewing loan books
- Development finance institution and fund credit officers
A CPD-accredited Certificate of Completion from Vision Reach Global Consultancy is issued to each participant who attends the sessions and completes the case exercises.
Choose Where You Want to Learn
Financial Management for 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
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Frequently Asked Questions About Live Online Financial Management for Credit Risk & Lending Training Course
Everything you need to know about this course before you register.
By the end of the Financial Management for Credit Risk & Lending programme, you'll be able to analyse borrower financial statements and cash flows to determine repayment capacity, structure facilities with suitable security, covenants and repayment profiles, apply risk-based pricing that covers funding cost, expected loss, operating cost and target return, and calculate expected credit loss using probability of default, loss given default and exposure at default. The full breakdown of topics is covered session by session in the Course Outline tab above.
The course serves professionals who originate, approve, account for or oversee loans, such as: Credit analysts and credit committee members, Relationship managers in corporate, SME and retail banking, Credit risk and portfolio managers, Finance managers and financial controllers in lenders, SACCO, microfinance and digital lender managers, Collections and recoveries officers, Internal and external auditors reviewing loan books, and Development finance institution and fund credit officers.
Financial Management for 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.
Financial Management for 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 Financial Management for Credit Risk & Lending starts November 9, 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 Financial Management for Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Financial Management for 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 Financial Management for 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 — Financial Management for 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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