Most bank losses start with a lending decision that looked acceptable on the day it was approved. Thin analysis, optimistic projections, weak security and slow follow-up turn ordinary loans into non-performing ones. Over five days, credit staff sharpen the skills that prevent this. You learn to read financial statements, spread accounts, test cash flow and repayment capacity, and assess character, management quality and sector conditions before recommending a facility.
The programme then covers facility structuring, tenor, covenants, collateral valuation and perfection, credit scoring, internal risk grading and risk-based pricing. Later sessions turn to monitoring, early warning signals, restructuring, recovery and the expected credit loss provisioning that follows from IFRS 9. Every topic is practised on real-style case files from SMEs, trading companies, agribusiness and property borrowers. Credit analysts, loan officers, relationship managers, credit committee members, SACCO and microfinance lenders, and auditors reviewing loan books will find the content immediately usable. Afterwards you can prepare a credit memorandum, grade a borrower and propose terms that match the risk. Classroom, online and in-house formats lead to a CPD-accredited certificate.
Lending remains the main source of income and the main source of risk for most financial institutions. Rising interest rates, uneven economic conditions and heavier supervisory scrutiny have raised the cost of poor credit decisions. Lenders that rely on collateral alone, or that stop watching a borrower after disbursement, see problem loans grow before anyone acts.
The Practical Credit Risk & Lending Training Course follows a loan through its life. It starts with the credit process, policy and risk appetite, then teaches the borrower analysis that underpins every approval: financial statement review, ratio and cash flow analysis, projections, working capital cycles and industry assessment. Participants then structure facilities, select security, apply scoring and grading, and price for risk. The final modules cover post-disbursement monitoring, classification, provisioning, restructuring and recovery, and the reporting a credit risk function provides to management.
Sessions are driven by case files and group work. Teams analyse borrower accounts, write recommendation notes, defend their grading before a mock credit committee and decide how to handle a deteriorating account. Participants leave with templates and a repeatable method that they can apply to their own portfolios.
By the end of the course, participants will be able to:
Participants leave the course with:
The programme is organised around live decision points in the lending cycle. It uses:
Day 1: The Credit Process and Borrower Analysis
Day 2: Financial Statement and Cash Flow Analysis
Day 3: Structuring, Security and Pricing
Day 4: Scoring, Grading and Portfolio Perspective
Day 5: Monitoring, Provisioning and Recovery
This programme is designed for those who originate, approve or oversee credit, including:
Attendance at the sessions and completion of the case exercises earns each participant a CPD-accredited Certificate of Completion from 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 Practical Credit Risk & Lending programme, you'll be able to describe the credit process and the role of policy and risk appetite in lending decisions, analyse financial statements and cash flows to judge repayment capacity, assess borrower character, management quality and sector risk, and structure facilities with suitable amounts, tenors, covenants and security. The full breakdown of topics is covered session by session in the Course Outline tab above.
This programme is designed for those who originate, approve or oversee credit, including: Credit analysts and credit officers in banks, Relationship managers for SME, corporate and commercial clients, Loan officers in SACCOs and microfinance institutions, Credit committee members and heads of credit, Credit risk and portfolio monitoring officers, Recovery and collections managers, Internal auditors and examiners reviewing loan portfolios, and Trade finance and asset finance officers.
Practical 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.
Practical 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 Practical 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 Practical Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Practical 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 Practical 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 — Practical 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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