Loan books grow through good origination and fail through weak follow-through. Policies written in head office are of little use if credit officers cannot apply them to a real borrower, price the risk and spot deterioration while recovery is still possible. Ten days give lenders time to plan a credit risk framework and then implement it in daily practice.
The first week covers credit policy and risk appetite, borrower and cash flow analysis, financial statement spreading, ratios, collateral and security, and lending to corporates, SMEs, agriculture and retail clients. Participants learn internal rating, scorecards, pricing for risk and credit committee presentations. The second week moves to implementation: IFRS 9 staging and expected credit loss, portfolio concentration, stress testing, covenant and early warning monitoring, restructuring, collections, recovery and write-off, and credit risk reporting and governance. Applied labs use full loan files and spreadsheet models, and the closing days are given to an integrated implementation project. The course suits credit analysts, relationship managers, credit risk and portfolio officers, loan officers in banks, SACCOs and microfinance institutions, and internal auditors. It is delivered in classroom, online or in-house formats with a CPD-accredited certificate.
Credit is the largest source of income and also of loss in most financial institutions. Rising interest rates, currency swings, slow payment by governments and weather shocks to borrowers have all increased default risk in recent years, while regulators and auditors expect lenders to evidence sound underwriting, accurate provisioning and prompt recognition of problem loans. Institutions with strong policies on paper but weak execution regularly see impairments climb.
The Planning and Implementation of Credit Risk and Lending Training Course covers the entire lifecycle in two connected phases. The planning phase builds the framework: strategy, risk appetite, policy, delegated authority, target sectors, product design and the data required. The implementation phase puts that framework to work through borrower assessment, cash flow and collateral analysis, risk grading, structuring and approval, then disbursement controls, monitoring, remedial action and recovery. Ten days allow depth that shorter courses cannot, including portfolio analytics, provisioning methodology and independent credit review.
Sessions pair concise input with realistic loan files, spreadsheet templates and committee role-plays. Participants work on a case portfolio throughout, so that each new technique is applied immediately. In the last two days they assemble an implementation plan covering policy changes, process steps, tools, controls and reporting for their own institution.
By the end of the programme, participants will be able to:
Participants leave with:
The programme is organised around one continuing case portfolio so that techniques build on each other:
Day 1: Credit Risk Strategy and Risk Appetite
Day 2: Credit Policy and Process Design
Day 3: Borrower and Financial Statement Analysis
Day 4: Cash Flow, Repayment Capacity and Projections
Day 5: Collateral, Guarantees and Facility Structuring
Day 6: Risk Rating, Scoring and Pricing
Day 7: Sector Lending and Credit Approval
Day 8: Portfolio Management and IFRS 9
Day 9: Monitoring, Problem Loans and Recovery
Day 10: Implementation Project and Credit Reporting
The programme is intended for professionals in lending institutions who design, run or review credit processes, including:
Participants who attend the ten days and complete the case work and implementation project receive 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 Planning and Implementation of Credit Risk & Lending programme, you'll be able to design a credit risk strategy, risk appetite and credit policy aligned with business goals, analyse borrower financial statements, cash flows and repayment capacity, evaluate collateral, guarantees and security perfection, and plan recovery and restructuring, and assign internal risk ratings and use scorecards for retail and sme lending. The full breakdown of topics is covered session by session in the Course Outline tab above.
The programme is intended for professionals in lending institutions who design, run or review credit processes, including: Credit analysts and credit underwriters, Relationship managers in corporate, commercial and SME banking, Credit risk and portfolio managers, Loan officers in microfinance institutions and SACCOs, Collections, recovery and remedial management officers, Credit administration and loan operations staff, Internal auditors and credit review officers, and Development finance officers and agricultural lenders.
Planning and Implementation of Credit Risk & Lending Training Course typically runs as 10 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.
Planning and Implementation 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 Planning and Implementation of Credit Risk & Lending starts October 19, 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 Planning and Implementation 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.
Planning and Implementation 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 Planning and Implementation 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 — Planning and Implementation 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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