Non-performing loans erode capital, tighten credit for the whole economy and end careers. Most of them can be traced to decisions made at approval: thin analysis, weak security, loose covenants or a pricing model that ignored risk. Five days follow a loan from first customer meeting to final repayment or write-off. You practise borrower appraisal, financial statement and cash flow analysis, the five Cs of credit, security valuation, loan structuring and pricing, internal risk rating and credit committee presentation, using real-style files from corporate, SME, agricultural and retail lending.
The second half addresses life after disbursement. You monitor early warning signals, classify and restructure troubled accounts, estimate expected credit loss under IFRS 9, set provisions, and plan collections and recovery. Portfolio concepts such as concentration limits, probability of default, loss given default and stress testing are explained with spreadsheet models. The programme is designed for loan officers, relationship managers, credit analysts, credit risk and collections staff, SACCO and microfinance managers, auditors and regulators. Attend in a classroom, online or in-house and receive a CPD-accredited certificate. Participants leave able to appraise a borrower, recommend sound terms and defend the decision.
Lending remains the main source of income for most banks, microfinance institutions and SACCOs, and also the main source of losses. Economic slowdowns, currency movements, commodity price falls and weak governance among borrowers can turn a performing book into a problem one within a few quarters. Institutions that manage credit risk well do so through consistent discipline at every step rather than through heroic recovery efforts after the damage is done.
The Management of Credit Risk & Lending Training Course follows the entire credit lifecycle. It begins with credit policy, risk appetite and the roles of the lending, risk and approval functions. Participants then learn to appraise borrowers: reading financial statements, projecting cash flows, testing repayment capacity under stress, assessing management quality and valuing collateral and guarantees. The next sessions cover structuring facilities, covenants, documentation, pricing for risk and the use of internal ratings and scorecards. After disbursement, the course turns to monitoring, early warning indicators, watch lists, restructuring, IFRS 9 staging and provisioning, collections and recovery strategies, and reporting to management and the board.
Learning is built on case files and spreadsheet templates. Each participant completes a full credit appraisal, writes a recommendation and presents it to a mock credit committee for challenge.
By the end of the course, participants will be able to:
Participants leave with:
The programme is case-driven and built around the decisions lenders make, through:
Day 1: Credit Policy, Risk Appetite and Origination
Day 2: Borrower Analysis
Day 3: Security, Structuring and Pricing
Day 4: Rating, Approval and Monitoring
Day 5: Provisioning, Recovery and Portfolio Management
This course is designed for people who originate, approve, monitor or oversee loans, including:
Participants who attend all five days and complete the credit appraisal exercise are awarded a CPD-accredited Certificate of Completion issued by 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 Management of Credit Risk & Lending programme, you'll be able to apply a credit policy and risk appetite statement to lending decisions, analyse borrower financial statements and project cash flows under base and stress scenarios, evaluate management quality, industry conditions and character using structured criteria, and value and perfect collateral and judge its real contribution to loss mitigation. The full breakdown of topics is covered session by session in the Course Outline tab above.
This course is designed for people who originate, approve, monitor or oversee loans, including: Loan officers and relationship managers, Credit analysts and credit committee members, Credit risk and portfolio managers, Collections and recovery officers, SACCO, microfinance and development bank lending staff, Agricultural and SME finance specialists, Internal auditors and bank examiners, and Finance managers of companies that borrow from banks.
Management 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.
Management 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 Management of 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 Management 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.
Management of 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 Management 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 — Management 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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