Every loan is a bet on a borrower's future, and weak credit decisions turn into non-performing loans, provisions and lost capital. New lenders often learn by trial and error; this programme gives them a sound method from the first week. Over five days you cover the credit cycle from origination to recovery: understanding borrower needs, the five Cs of credit, reading financial statements, projecting cash flow, calculating key ratios and assigning internal risk grades. Further sessions explain loan structuring, pricing, covenants, collateral and guarantees, documentation, disbursement controls, monitoring and arrears management, with an introduction to IFRS 9 expected credit loss concepts.
Credit and loan officers, relationship managers, branch managers, credit administrators, microfinance and SACCO staff, graduates entering banking and non-finance managers who approve supplier credit will benefit. You analyse real-style case files for small businesses, farmers, traders and corporates rather than studying theory alone. The training is offered in the classroom, online or in-house and concludes with a CPD-accredited Certificate of Completion. Afterwards you can prepare a clear credit appraisal, recommend a sensible facility and spot trouble early enough to act.
Lending remains the main source of income and the main source of loss for most banks, microfinance institutions and SACCOs. When credit assessment is rushed, inconsistent or driven by sales targets, the result appears later as rising arrears and write-offs. Strong lending depends on a few durable skills: judging character and capacity, reading numbers critically, structuring a facility to match the purpose and watching the account after disbursement.
This training course introduces those skills in a logical sequence for people who are new to lending or who have learned the job informally. Participants start with the nature of credit risk and the lending process, then learn to gather information, interview applicants and verify claims. They move on to financial statement analysis, cash flow projections, ratio work and security valuation, followed by facility types, pricing, terms and covenants. The final stage covers portfolio quality, early warning signs, restructuring, recovery and the basics of provisioning under IFRS 9.
Each module is taught through short case files drawn from small and medium enterprises, agribusiness and retail trading. Participants complete a full appraisal during the week, receive feedback, and take home templates they can apply immediately in their own institutions.
By the end of the course, participants will be able to:
Participants leave with:
The programme builds practical judgement through repeated application. Participants will take part in:
Day 1: Credit Risk and the Lending Cycle
Day 2: Know Your Borrower
Day 3: Financial Analysis and Cash Flow
Day 4: Structuring Facilities and Security
Day 5: Monitoring, Arrears and Provisioning
The course is aimed at people who recommend, approve or administer credit, including:
Vision Reach Global Consultancy awards a CPD-accredited Certificate of Completion to everyone who attends the programme and completes the case exercises.
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 Fundamentals of Credit Risk & Lending programme, you'll be able to explain the types of credit risk and the stages of the lending cycle, assess borrower character, capacity, capital, collateral and conditions, analyse balance sheets and income statements using core ratios, and prepare cash flow projections and test repayment ability under stress. The full breakdown of topics is covered session by session in the Course Outline tab above.
The course is aimed at people who recommend, approve or administer credit, including: Loan officers and credit analysts, Relationship managers in SME and retail banking, Branch managers and operations managers, Credit administration and documentation staff, Microfinance and SACCO credit staff, Graduate trainees entering banking, Collections and recovery officers, and Finance managers who grant supplier or customer credit.
Fundamentals of 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.
Fundamentals of 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 Fundamentals of 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 Fundamentals of Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Fundamentals of Credit Risk & Lending Training Course is pitched at beginner 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 Fundamentals of 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 — Fundamentals of 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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