Slow approvals frustrate good borrowers, weak underwriting lets bad ones through, and loan files with missing documents come back as write-offs. Five days help lenders improve the whole credit process rather than a single step. You map the lending cycle from origination to recovery and measure where time, quality and money are lost. Credit analysis sessions revisit financial spreading, cash flow and ratio analysis, collateral valuation, and the five Cs of credit, while approval sessions examine delegated authority, credit committees, documentation checks and disbursement controls.
You then look at monitoring and arrears management: early warning signals, watchlists, restructuring, provisioning under IFRS 9, and recovery strategies. Operational excellence tools such as process mapping, turnaround time targets, root cause analysis and portfolio quality metrics including portfolio at risk, non-performing loan ratios and cost of risk show how to sustain improvements. The programme is suited to credit officers, relationship managers, loan operations and credit administration staff, risk managers, collections teams, microfinance and SACCO managers, and internal auditors. Afterwards you can redesign a lending workflow, set practical controls and report on credit quality. It is offered by classroom, online and in-house, with a CPD-accredited certificate.
Credit remains the largest source of income and the largest source of risk for most banks, microfinance institutions and SACCOs. Rising non-performing loans, tighter capital requirements and competition from digital lenders have put pressure on institutions to approve good loans faster while keeping tight control over quality. Improvement often depends less on new products than on how the credit process is run each day.
This programme treats lending as an end-to-end operational process. Participants examine origination, credit appraisal, structuring, approval, documentation, disbursement, monitoring, collection and recovery, and learn to identify where delays, errors and control failures arise. Core credit risk skills are strengthened through cash flow analysis, risk rating, collateral and covenant design, and expected credit loss provisioning. These are combined with process improvement methods including process mapping, service-level targets, root cause analysis and performance dashboards.
Participants work on loan case files and sample portfolio data, and redesign a lending workflow in groups. By the end they have a clear improvement plan, supported by metrics they can use to show results to management, auditors and regulators.
On completing the programme, participants will be able to:
Participants leave with:
The programme is structured around real credit work. Participants experience:
Day 1: The Lending Cycle and Where It Breaks
Day 2: Credit Analysis and Risk Rating
Day 3: Collateral, Documentation and Approval Controls
Day 4: Monitoring, Provisioning and Early Warning
Day 5: Recovery and Sustaining Excellence
The programme will benefit lending professionals and those who oversee them, including:
Participants who attend the programme and complete the case files and process exercises are awarded a CPD-accredited Certificate of Completion 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 Operational Excellence in Credit Risk & Lending programme, you'll be able to map the end-to-end lending process and locate bottlenecks, errors and control gaps, carry out structured credit analysis using financial spreading, cash flow and ratio techniques, apply risk rating and collateral assessment consistently in credit decisions, and strengthen approval, documentation and disbursement controls. The full breakdown of topics is covered session by session in the Course Outline tab above.
The programme will benefit lending professionals and those who oversee them, including: Credit analysts and credit officers, Relationship and business banking managers, Loan operations and credit administration staff, Credit risk and portfolio managers, Collections and recovery officers, Microfinance and SACCO managers and loan officers, Internal auditors and compliance officers reviewing lending, and Heads of credit and branch managers.
Operational Excellence 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.
Operational Excellence 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 Operational Excellence 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 Operational Excellence 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.
Operational Excellence 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 Operational Excellence 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 — Operational Excellence 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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