Live Online Strategic Credit Risk & Lending Training Course
Live online, instructor-led · next cohort Nov 16, 2026 · from USD 800
Credit losses remain the largest threat to bank and microfinance earnings, and they usually build up through decisions taken years earlier: growth targets pursued without limits, pricing that ignores risk, concentrations in a few sectors, and slow reaction to early warning signals. This five-day programme is aimed at senior credit and lending professionals who set direction for the loan book, not only those who approve individual facilities.
You work on credit strategy and risk appetite statements, target market definition, portfolio concentration and limit frameworks, internal rating systems, probability of default and loss given default concepts, risk-based pricing, stress testing and IFRS 9 expected credit loss staging. Later sessions cover covenant design, early warning systems, restructuring, recovery and workout of non-performing loans, credit governance and reporting to boards and regulators. The programme suits heads of credit, chief risk officers, senior relationship managers, credit committee members, portfolio managers, SACCO and microfinance executives, and internal auditors. Delivery is classroom in any of our 18 cities, online, or in-house. You return able to challenge portfolio data, price a loan sensibly and brief a board on credit quality. A CPD-accredited Certificate of Completion from Vision Reach Global Consultancy is issued on completion.
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
- Nov 16, 2026, Dec 14, 2026, Jan 11, 2027
- Certificate
- Certificate of Completion
- What you need
- A computer with a reliable internet connection, a webcam and a headset
About this course
Lending is the core activity of most financial institutions and the one in which strategic errors are most costly. When growth targets, sector appetite, pricing and monitoring are not coordinated, loan books drift into concentrated, under-priced risk that only shows up when conditions turn. Boards, regulators and investors expect credit leaders to demonstrate that their portfolio is deliberately built and actively managed.
Strategic Credit Risk & Lending Training Course lifts the discussion from single-loan analysis to the design of the whole credit function. Participants define a credit strategy and risk appetite, set limits by sector, product, geography and borrower group, and explore internal rating models and their use in approval and pricing. They examine the economics of lending, including cost of funds, expected loss, capital charge and operating costs, then link these to IFRS 9 staging and provisioning. Further sessions address early warning indicators, remedial management, restructuring and recoveries.
The approach is quantitative but practical, using sample loan tapes, simple spreadsheet models and board-style discussions. Participants draft a risk appetite statement, a portfolio dashboard and a pricing grid, and return with specific recommendations to strengthen their institution's credit framework.
Training Objectives
Upon completion, participants will be able to:
- Develop a credit strategy and risk appetite statement consistent with the institution's business model.
- Set and monitor concentration limits by sector, product, geography and large exposures.
- Interpret internal ratings, probability of default and loss given default in credit decisions.
- Build a risk-based pricing grid that covers expected loss, funding, capital and costs.
- Apply IFRS 9 staging and expected credit loss concepts to a loan portfolio.
- Use stress testing and scenario analysis to gauge portfolio resilience.
- Design early warning systems and covenant packages that prompt timely action.
- Manage restructuring, workout and recovery of non-performing loans.
What you'll learn
Key Takeaways
Participants depart with:
- A draft risk appetite statement and credit strategy outline for their institution.
- A concentration limit framework with escalation triggers.
- A risk-based pricing grid they can test against current loan terms.
- A portfolio quality dashboard with key early warning indicators.
- A summary of how IFRS 9 staging and provisions affect profitability.
- A workout and recovery decision tree for problem accounts.
Training Methodology
The programme is designed for senior practitioners who want to challenge their own practice. Teaching includes:
- Facilitated board-style discussions on strategy and appetite
- Spreadsheet-based pricing and provisioning labs
- Sample loan tape analysis for concentration and quality review
- Case files covering corporate, SME and microfinance books
- Peer assessment of draft strategy documents and dashboards
Day 1: Credit Strategy and Risk Appetite
- Linking business strategy, funding and credit growth
- Target markets and underwriting standards
- Writing and approving a risk appetite statement
- Credit governance, delegation of authority and committee structures
- Role of the credit function within three lines of defence
- Exercise: drafting a risk appetite statement
Day 2: Portfolio Construction and Concentration
- Single-name, sector, geography and collateral concentration
- Large exposure and connected party limits
- Portfolio diversification and risk-return trade-offs
- Credit risk transfer and participation options
- Portfolio reports for management and the board
- Exercise: setting limits using a sample loan tape
Day 3: Rating, Pricing and Provisioning
- Internal rating systems and validation basics
- Probability of default, loss given default and exposure at default
- Risk-based pricing: expected loss, funding, capital and cost
- IFRS 9 stages, significant increase in credit risk and ECL
- Forward-looking scenarios in provisioning
- Exercise: building a pricing grid and ECL estimate
Day 4: Monitoring, Stress Testing and Early Warning
- Covenant design and monitoring discipline
- Early warning indicators for corporate, SME and retail borrowers
- Watch lists, review frequency and escalation
- Portfolio stress testing and sensitivity analysis
- Data quality and management information
- Case study: a portfolio hit by a commodity price shock
Day 5: Problem Loans, Recovery and Reform
- Classification, forbearance and restructuring approaches
- Workout strategy, collateral realisation and legal routes in general terms
- Loss mitigation economics and recovery targets
- Lessons from past credit cycles
- Reporting to the board and supervisors
- Action planning and presentation of reform proposals
The programme is intended for senior and experienced credit professionals, including:
- Heads of credit and chief credit officers
- Chief risk officers and risk managers
- Credit committee members and approvers
- Corporate, commercial and SME relationship managers
- Portfolio and credit analytics managers
- Executives in microfinance institutions and SACCOs
- Internal auditors and bank examiners reviewing lending
- Treasury, finance and strategy staff linking funding to loan growth
Participants who attend the sessions and complete the exercises receive a Certificate of Completion issued by Vision Reach Global Consultancy and CPD-accredited.
Choose Where You Want to Learn
Strategic 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 Strategic Credit Risk & Lending Training Course
Everything you need to know about this course before you register.
By the end of the Strategic Credit Risk & Lending programme, you'll be able to develop a credit strategy and risk appetite statement consistent with the institution's business model, set and monitor concentration limits by sector, product, geography and large exposures, interpret internal ratings, probability of default and loss given default in credit decisions, and build a risk-based pricing grid that covers expected loss, funding, capital and costs. The full breakdown of topics is covered session by session in the Course Outline tab above.
The programme is intended for senior and experienced credit professionals, including: Heads of credit and chief credit officers, Chief risk officers and risk managers, Credit committee members and approvers, Corporate, commercial and SME relationship managers, Portfolio and credit analytics managers, Executives in microfinance institutions and SACCOs, Internal auditors and bank examiners reviewing lending, and Treasury, finance and strategy staff linking funding to loan growth.
Strategic 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.
Strategic 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 Strategic 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 Strategic Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Strategic Credit Risk & Lending Training Course is pitched at advanced 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 Strategic 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 — Strategic 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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