Live Online Operational Excellence in Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Nov 9, 2026 · from USD 800
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.
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
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.
Training Objectives
On completing the programme, participants will 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.
- Strengthen approval, documentation and disbursement controls.
- Recognise early warning signals and manage watchlist and restructured accounts.
- Explain the main features of expected credit loss provisioning under IFRS 9.
- Develop collection and recovery strategies that suit different arrears stages.
- Define and report portfolio quality and process performance indicators.
What you'll learn
Key Takeaways
Participants leave with:
- A process map of their lending cycle with delay and error points highlighted.
- A credit appraisal checklist covering analysis, collateral and documentation.
- A set of early warning indicators and a watchlist procedure.
- A dashboard outline for portfolio quality and turnaround performance.
- A collections and recovery playbook structured by arrears stage.
- An improvement plan with owners, targets and timelines.
Training Methodology
The programme is structured around real credit work. Participants experience:
- Short expert inputs on each stage of the lending cycle
- Loan case files for hands-on appraisal and file review
- Process redesign workshops in small teams
- Portfolio data exercises for classification and provisioning
- Group presentation of an improvement plan with feedback
Day 1: The Lending Cycle and Where It Breaks
- Stages of the credit process from origination to recovery
- Credit risk appetite, policy and delegated authority
- Common failure points: weak appraisal, missing documents and slow approvals
- Process mapping of a loan from application to disbursement
- Measuring turnaround time and rework rates
- Exercise: mapping a current-state lending process
Day 2: Credit Analysis and Risk Rating
- Financial statement spreading and ratio analysis
- Cash flow and repayment capacity assessment
- Assessing management, sector and business risk
- Internal risk rating models and their limits
- Pricing for risk and loan structuring
- Case file: appraising a corporate and an SME borrower
Day 3: Collateral, Documentation and Approval Controls
- Types of security and valuation methods
- Perfection of security and legal documentation checks
- Covenants and conditions precedent
- Credit committee procedures and decision records
- Disbursement controls and post-approval verification
- Lab: reviewing a loan file for deficiencies
Day 4: Monitoring, Provisioning and Early Warning
- Early warning indicators and account monitoring routines
- Watchlists, classification and restructuring decisions
- Expected credit loss provisioning under IFRS 9
- Portfolio at risk, non-performing loan and cost of risk metrics
- Stress testing of loan portfolios
- Exercise: classifying accounts and estimating provisions
Day 5: Recovery and Sustaining Excellence
- Arrears management and collection strategies by stage
- Negotiation, restructuring and legal recovery routes
- Root cause analysis of defaults
- Service-level targets and performance dashboards
- Culture, incentives and training for credit quality
- Improvement plans and presentations
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
- Heads of credit and branch managers
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.
Choose Where You Want to Learn
Operational Excellence in Credit Risk & Lending Training Course Venues
KenyaNairobiNext Nov 9· 13 dates$1,500- KenyaMombasaNext Oct 26· 14 dates$1,600
- KenyaNaivashaNext Nov 2· 13 dates$1,500
- KenyaKisumuNext Oct 26· 14 dates$1,500
- KenyaMachakosNext Nov 2· 13 dates$1,600
UgandaKampalaNext Nov 2· 13 dates$1,900
RwandaKigaliNext Oct 26· 14 dates$1,900
TanzaniaArushaNext Nov 9· 13 dates$1,900- TanzaniaDodomaNext Oct 26· 14 dates$1,800
- TanzaniaDar es SalaamNext Oct 26· 14 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· 14 dates$3,800
UAEDubaiNext Oct 26· 14 dates$3,800
GhanaAccraNext Nov 16· 13 dates$4,500
Scroll sideways to see all 18 cities →
Frequently Asked Questions About Live Online Operational Excellence in Credit Risk & Lending Training Course
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 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 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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