Lending is the core revenue engine of most banks and microfinance institutions, and it is also where the largest losses occur. Weak analysis, loose structuring and slow follow-up turn small exposures into non-performing loans. Five days give practising lenders and credit staff a disciplined approach from first meeting to final recovery.
The programme starts with the credit process, the five Cs and the lender's risk appetite. Participants then spread and interpret financial statements, calculate cash flow, debt service cover and leverage, and assess management, industry and collateral. Further sessions cover facility structuring, covenants, security perfection, internal risk rating, probability of default, loss given default, expected credit loss under IFRS 9, and the principles behind Basel capital rules. The final days concentrate on loan monitoring, early warning signals, restructuring, workout and recovery. You analyse sample credit files for trading, manufacturing and agricultural borrowers and write a complete credit proposal. The course is relevant to relationship managers, credit analysts, risk officers, branch managers, SACCO and microfinance officers, and audit and compliance staff reviewing loan books. Formats include classroom, online and in-house, with a CPD-accredited certificate. Afterwards you can recommend approval, decline or restructure with reasoning a credit committee can trust.
Credit portfolios rise and fall with the quality of the decisions made one loan at a time. Rapid growth, concentration in a few sectors, informal borrower records and economic shocks all put pressure on underwriting standards. Institutions that lend well combine solid financial analysis with clear structuring, consistent grading and prompt action when warning signs appear.
This programme guides participants through that full discipline. They begin by understanding how credit risk arises and how policy and risk appetite frame lending decisions. Core sessions then develop analytical skill in reading financial statements, projecting cash flow and testing repayment capacity across corporate, SME and retail segments. Participants learn how to design facility terms, covenants and security packages, assign internal ratings, and understand how default probabilities, loss estimates and provisioning feed into pricing and capital. Later sessions focus on portfolio monitoring, problem loan management, restructuring and recovery.
Instruction is deliberately applied. Participants work through case files with real-world messiness, build ratio and cash flow workbooks, and defend their recommendations in a mock credit committee. Everyone completes a credit proposal that reflects the standards expected in their own institution.
By the end of the training, participants will be able to:
Participants take with them:
The format mirrors the working life of a lender. Participants engage in:
Day 1: Credit Risk and the Lending Process
Day 2: Financial Statement and Cash Flow Analysis
Day 3: Structuring Facilities, Covenants and Security
Day 4: Risk Rating, Pricing and Provisioning
Day 5: Monitoring, Problem Loans and Recovery
The training is suitable for professionals who originate, approve or oversee credit, including:
Participants who attend the programme in full and submit their analysis and credit proposal exercises are awarded the CPD-accredited Certificate of Completion of 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 Professional Credit Risk & Lending programme, you'll be able to apply a structured credit process and evaluate borrowers using the five cs, spread and analyse financial statements and compute key ratios, project cash flow and test debt service capacity under stress, and structure facilities, covenants and security that match the borrower's needs and risks. The full breakdown of topics is covered session by session in the Course Outline tab above.
The training is suitable for professionals who originate, approve or oversee credit, including: Relationship managers in corporate, commercial and SME banking, Credit analysts and credit officers, Credit risk and portfolio managers, Branch managers and heads of lending, Microfinance, SACCO and development bank loan officers, Recovery, collections and legal officers, Internal auditors and compliance staff reviewing loan portfolios, and Finance staff in leasing and asset finance companies.
Professional 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.
Professional 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 Professional Credit Risk & Lending starts October 12, 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 Professional Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Professional 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 Professional 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 — Professional 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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