Live Online Planning and Implementation of Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Oct 19, 2026 · from USD 1,700
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.
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 (10 Days)
- Fee
- USD 1,700 (KES 160,000)
- Next start dates
- Oct 19, 2026, Nov 16, 2026, Dec 14, 2026
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
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.
Training Objectives
By the end of the programme, participants will 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.
- Assign internal risk ratings and use scorecards for retail and SME lending.
- Price loans to reflect expected loss, capital and funding costs.
- Structure facilities with suitable terms, covenants and conditions.
- Apply IFRS 9 staging and expected credit loss concepts to a loan portfolio.
- Monitor accounts, detect early warning signs and manage problem loans.
What you'll learn
Key Takeaways
Participants leave with:
- An outline credit policy and risk appetite statement for their institution.
- A financial spreading and cash flow analysis template.
- A rating and scorecard framework adaptable to their products.
- A completed credit memorandum for a case borrower.
- An expected credit loss worksheet for a sample portfolio.
- An early warning checklist and a problem loan action plan.
- A costed implementation roadmap for strengthening their lending function.
Training Methodology
The programme is organised around one continuing case portfolio so that techniques build on each other:
- Full loan files for borrowers in manufacturing, trade, agriculture and services
- Spreadsheet labs for spreading, cash flow, rating and provisioning
- Credit committee role-plays with approval and dissent
- Short expert inputs on policy, regulation and standards
- A closing project presenting a costed implementation plan
Day 1: Credit Risk Strategy and Risk Appetite
- Credit risk within enterprise risk management
- Types of credit risk: default, concentration, counterparty and country
- Risk appetite, limits and target market definition
- Credit governance and the three lines of defence
- The credit cycle from origination to recovery
- Exercise: risk appetite statement for a lender
Day 2: Credit Policy and Process Design
- Structure and content of a credit policy
- Delegated lending authority and credit committees
- Lending products and eligibility criteria
- Loan origination workflow and documentation
- Regulatory expectations on lending standards
- Workshop: mapping an origination process
Day 3: Borrower and Financial Statement Analysis
- The five Cs of credit and qualitative assessment
- Spreading financial statements and normalising figures
- Liquidity, leverage, profitability and efficiency ratios
- Quality of earnings and accounting red flags
- Industry and management assessment
- Lab: ratio analysis of a manufacturing borrower
Day 4: Cash Flow, Repayment Capacity and Projections
- Historical and projected cash flow analysis
- Debt service coverage and sensitivity testing
- Working capital and trade finance needs
- Project and asset finance basics
- Assessing seasonal and agricultural cash flows
- Lab: building a repayment capacity model
Day 5: Collateral, Guarantees and Facility Structuring
- Types of security and valuation principles
- Perfection of security and legal documentation
- Guarantees, insurance and credit enhancement
- Loan covenants, conditions precedent and subsequent
- Tenor, amortisation and repayment structures
- Exercise: structuring a term loan facility
Day 6: Risk Rating, Scoring and Pricing
- Internal rating scales and rating model components
- Scorecards for retail and micro-lending
- Probability of default, loss given default and exposure at default
- Risk-adjusted pricing and return on capital
- Validating and back-testing rating systems
- Lab: assigning ratings to a sample portfolio
Day 7: Sector Lending and Credit Approval
- SME, agribusiness, real estate and trade lending risks
- Group and digital lending models
- Preparing and presenting a credit memorandum
- Committee decision making and dissent
- Disbursement controls and drawdown conditions
- Role-play: a credit committee session
Day 8: Portfolio Management and IFRS 9
- Portfolio concentration and diversification limits
- Migration matrices and vintage analysis
- IFRS 9 staging and significant increase in credit risk
- Expected credit loss calculation and overlays
- Stress testing a loan book
- Lab: expected credit loss worksheet
Day 9: Monitoring, Problem Loans and Recovery
- Early warning indicators and watchlist management
- Covenant compliance reviews and site visits
- Restructuring versus enforcement decisions
- Collection strategies and legal recovery routes
- Write-off policy and recoveries accounting
- Case file: turning around a troubled account
Day 10: Implementation Project and Credit Reporting
- Credit risk management information and board reporting
- Independent credit review and audit findings
- Technology, data quality and credit bureau use
- Change management for credit culture
- Implementation roadmap with milestones and owners
- Presentation of implementation projects
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
- Development finance officers and agricultural lenders
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.
Choose Where You Want to Learn
Planning and Implementation of Credit Risk & Lending Training Course Venues
KenyaNairobiNext Nov 9· 13 dates$3,000- KenyaMombasaNext Oct 26· 13 dates$3,200
- KenyaNaivashaNext Nov 2· 13 dates$3,000
- KenyaKisumuNext Oct 26· 13 dates$3,000
- KenyaMachakosNext Nov 2· 13 dates$3,200
UgandaKampalaNext Nov 2· 13 dates$3,800
RwandaKigaliNext Oct 26· 13 dates$3,800
TanzaniaArushaNext Nov 9· 13 dates$3,800- TanzaniaDodomaNext Oct 26· 13 dates$3,600
- TanzaniaDar es SalaamNext Oct 26· 13 dates$4,000
- TanzaniaZanzibarNext Nov 16· 13 dates$5,200
NigeriaLagosNext Nov 16· 13 dates$5,600- NigeriaAbujaNext Nov 9· 13 dates$5,600
South AfricaPretoriaNext Nov 2· 13 dates$6,400- South AfricaJohannesburgNext Nov 2· 13 dates$6,800
- South AfricaCape TownNext Oct 26· 13 dates$7,600
UAEDubaiNext Oct 26· 13 dates$7,600
GhanaAccraNext Nov 16· 13 dates$9,000
Scroll sideways to see all 18 cities →
Frequently Asked Questions About Live Online Planning and Implementation of Credit Risk & Lending Training Course
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 November 16, 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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