Live Online Practical Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Oct 26, 2026 · from USD 800
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.
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
- Oct 26, 2026, Nov 23, 2026, Dec 21, 2026
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
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.
Training Objectives
By the end of the course, participants will 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.
- Structure facilities with suitable amounts, tenors, covenants and security.
- Apply credit scoring and internal risk grading to individual borrowers.
- Price loans to reflect expected loss, funding cost and capital.
- Monitor accounts, recognise early warning signs and classify loans.
- Explain expected credit loss provisioning and recovery options for distressed loans.
What you'll learn
Key Takeaways
Participants leave the course with:
- A reusable financial spreading and cash flow analysis template.
- A credit memorandum outline with the key sections and sample wording.
- A scorecard-style grading worksheet to rate borrowers consistently.
- A checklist of covenants and security documents by facility type.
- A list of early warning indicators to monitor on a live loan book.
- A recovery decision tree for distressed accounts.
Training Methodology
The programme is organised around live decision points in the lending cycle. It uses:
- Short briefings followed immediately by case-based practice
- Borrower files from SME, trading, agribusiness and property sectors
- Spreadsheet exercises for ratio and cash flow analysis
- A mock credit committee where teams present and defend recommendations
- Discussion of participants' own problem accounts, anonymised
Day 1: The Credit Process and Borrower Analysis
- Credit policy, risk appetite and the approval chain
- Types of lending: working capital, term, asset and trade finance
- Sources of credit information and know-your-customer checks
- Assessing character, management and governance
- Industry and market risk assessment
- Case file: first look at a borrower application
Day 2: Financial Statement and Cash Flow Analysis
- Spreading balance sheets and income statements
- Liquidity, leverage, activity and profitability ratios
- Cash flow statements and debt service coverage
- Working capital cycles and seasonal borrowers
- Testing projections and sensitivity analysis
- Exercise: analysing an SME trading company
Day 3: Structuring, Security and Pricing
- Matching facility type, amount and tenor to the need
- Financial and non-financial covenants
- Collateral types, valuation and perfection
- Guarantees and the quality of secondary support
- Risk-based pricing and loan profitability
- Exercise: structuring and pricing a facility
Day 4: Scoring, Grading and Portfolio Perspective
- Application scoring and behavioural scoring
- Internal risk grades and probability of default
- Loss given default and exposure at default
- Concentration limits and sector exposure
- Writing the credit memorandum
- Mock credit committee session
Day 5: Monitoring, Provisioning and Recovery
- Account monitoring and early warning indicators
- Loan classification and IFRS 9 expected credit loss
- Restructuring versus enforcement
- Realising security and legal recovery steps
- Reporting on portfolio quality
- Action plan and course review
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
- Trade finance and asset finance officers
Attendance at the sessions and completion of the case exercises earns each participant a CPD-accredited Certificate of Completion from Vision Reach Global Consultancy.
Choose Where You Want to Learn
Practical Credit Risk & Lending Training Course Venues
KenyaNairobiNext Nov 9· 13 dates$1,500- KenyaMombasaNext Oct 26· 13 dates$1,600
- KenyaNaivashaNext Nov 2· 13 dates$1,500
- KenyaKisumuNext Oct 26· 13 dates$1,500
- KenyaMachakosNext Nov 2· 13 dates$1,600
UgandaKampalaNext Nov 2· 13 dates$1,900
RwandaKigaliNext Oct 26· 13 dates$1,900
TanzaniaArushaNext Nov 9· 13 dates$1,900- TanzaniaDodomaNext Oct 26· 13 dates$1,800
- TanzaniaDar es SalaamNext Oct 26· 13 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· 13 dates$3,800
UAEDubaiNext Oct 26· 13 dates$3,800
GhanaAccraNext Nov 16· 13 dates$4,500
Scroll sideways to see all 18 cities →
Frequently Asked Questions About Live Online Practical Credit Risk & Lending Training Course
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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