Live Online Risk Management for Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Oct 26, 2026 · from USD 800
Loans are the largest asset on most bank balance sheets, and the source of most of their losses. Weak appraisal, concentration in a few sectors, delayed recognition of problem loans and slow recovery turn modest defaults into capital shortfalls. Five days take credit and risk professionals through the controls that keep a loan book healthy, from the first customer meeting to the final write-off.
You work on borrower and cash flow analysis, financial spreading, internal risk grading, probability of default, loss given default and exposure at default, and on structuring facilities with the right security and covenants. Portfolio sessions deal with concentration limits, stress testing, credit risk reporting and risk appetite. Further topics include expected credit loss provisioning under IFRS 9, early warning signals, restructuring, collections and recovery, and credit governance and committee practice. The course suits credit analysts, relationship managers, risk officers, loan officers in microfinance and SACCOs, internal auditors and bank supervisors. It is offered in the classroom, online and as an in-house programme. You can expect to leave able to challenge a credit proposal, grade a borrower consistently, and report portfolio risk to management. A CPD-accredited Certificate of Completion is awarded.
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
Non-performing loans remain one of the most persistent threats to financial institutions in emerging markets. They erode profit, consume capital and make lenders cautious just when businesses need finance. Strong credit risk management does not mean refusing to lend; it means pricing, structuring and monitoring risk so that lending can grow safely.
This programme follows the life of a loan. Participants begin with the credit policy and risk appetite that frame lending decisions, then practise appraising borrowers using financial statements, cash flow projections and qualitative assessment. They learn how internal rating models work, what drives probability of default and loss severity, and how security, guarantees and covenants reduce risk. The middle sessions step back to portfolio management: concentration, correlation, stress testing and reporting to the board. The final sessions turn to impairment under IFRS 9, watchlist management, restructuring and recovery.
Training is case-based. Delegates analyse sample credit files, grade borrowers, calculate expected credit loss in a spreadsheet and present a recommendation to a mock credit committee, taking away tools they can apply directly at work.
Training Objectives
By the end of the course, participants will be able to:
- Explain the elements of a credit policy and risk appetite framework.
- Appraise borrowers using financial statement and cash flow analysis.
- Assign internal risk grades and interpret PD, LGD and EAD.
- Structure facilities with suitable security, guarantees and covenants.
- Measure and limit concentration risk and run basic portfolio stress tests.
- Calculate expected credit losses and stage exposures under IFRS 9.
- Use early warning indicators to spot deteriorating accounts.
- Plan restructuring and recovery actions for distressed loans.
What you'll learn
Key Takeaways
Participants leave the course with:
- A borrower appraisal template covering financial and non-financial factors.
- A simple risk grading scorecard to adapt to their own portfolio.
- An expected credit loss calculator built during the sessions.
- A watchlist and early warning checklist.
- A recovery strategy outline for a distressed account.
- Experience presenting and defending a credit recommendation.
Training Methodology
Delivery stays close to real credit work and includes:
- Concise technical briefings with international and regional examples
- Credit files with financial statements for hands-on appraisal
- Spreadsheet labs for rating and provisioning calculations
- Mock credit committee in which teams present and defend proposals
- Discussion of non-performing loan cases contributed by participants
Day 1: Credit Risk Framework and Policy
- Types of credit risk: default, concentration and counterparty
- Credit policy, risk appetite and lending authorities
- The credit cycle from origination to recovery
- The five Cs and target market definition
- Roles of the three lines of defence in lending
Day 2: Borrower Appraisal
- Spreading and analysing financial statements
- Ratio analysis: liquidity, leverage, coverage and profitability
- Cash flow forecasting and debt service capacity
- Assessing management, industry and business model risk
- Appraising SME and microfinance borrowers with limited records
- Exercise: appraising a manufacturing company
Day 3: Risk Grading, Pricing and Structuring
- Internal rating scales and scorecards
- Probability of default, loss given default and exposure at default
- Risk-based pricing
- Collateral valuation, perfection and haircuts
- Covenants, conditions precedent and guarantees
Day 4: Portfolio Risk and Provisioning
- Concentration by sector, name, geography and product
- Portfolio limits and credit risk reporting
- Stress testing a loan portfolio
- IFRS 9 staging and expected credit loss
- Regulatory classification and provisioning
- Lab: calculating expected credit loss
Day 5: Monitoring, Recovery and Governance
- Early warning indicators and watchlist management
- Loan restructuring and forbearance
- Collections strategies and legal recovery routes
- Write-offs and recovery accounting
- Credit committee practice and mock committee exercise
The course is designed for people who originate, approve or oversee lending, including:
- Credit analysts and credit risk managers
- Corporate, SME and retail relationship managers
- Loan officers in microfinance institutions and SACCOs
- Collections and recovery officers
- Internal auditors and compliance staff reviewing credit
- Central bank and regulatory examiners
- Credit committee members and heads of lending
- Development finance and fund managers
Attendance of all sessions and completion of the case exercises earns a CPD-accredited Certificate of Completion from Vision Reach Global Consultancy, which documents the professional learning undertaken.
Choose Where You Want to Learn
Risk Management for Credit Risk & Lending Training Course Venues
KenyaNairobiNext Nov 9· 13 dates$1,500- KenyaMombasaNext Oct 26· 14 dates$1,600
- KenyaNaivashaNext Nov 2· 13 dates$1,500
- KenyaKisumuNext Oct 26· 14 dates$1,500
- KenyaMachakosNext Nov 2· 13 dates$1,600
UgandaKampalaNext Nov 2· 13 dates$1,900
RwandaKigaliNext Oct 26· 14 dates$1,900
TanzaniaArushaNext Nov 9· 13 dates$1,900- TanzaniaDodomaNext Oct 26· 14 dates$1,800
- TanzaniaDar es SalaamNext Oct 26· 14 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· 14 dates$3,800
UAEDubaiNext Oct 26· 14 dates$3,800
GhanaAccraNext Nov 16· 13 dates$4,500
Scroll sideways to see all 18 cities →
Frequently Asked Questions About Live Online Risk Management for Credit Risk & Lending Training Course
Everything you need to know about this course before you register.
By the end of the Risk Management for Credit Risk & Lending programme, you'll be able to explain the elements of a credit policy and risk appetite framework, appraise borrowers using financial statement and cash flow analysis, assign internal risk grades and interpret pd, lgd and ead, and structure facilities with suitable security, guarantees and covenants. The full breakdown of topics is covered session by session in the Course Outline tab above.
The course is designed for people who originate, approve or oversee lending, including: Credit analysts and credit risk managers, Corporate, SME and retail relationship managers, Loan officers in microfinance institutions and SACCOs, Collections and recovery officers, Internal auditors and compliance staff reviewing credit, Central bank and regulatory examiners, Credit committee members and heads of lending, and Development finance and fund managers.
Risk Management for 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.
Risk Management for 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 Risk Management for 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 Risk Management for Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Risk Management for 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 Risk Management for 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 — Risk Management for 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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