Governance and Compliance in Credit Risk & Lending Training Course in Ghana
Classroom cohorts in Accra · live online · in-house anywhere in Ghana
Most large loan losses trace back to governance failures: approvals outside authority, weak documentation, ignored early warnings or related-party lending that was never challenged. Over five days, bankers and supervisors learn how to build credit decisions that survive scrutiny from boards, auditors and regulators.
The programme covers credit risk governance structures, board and committee roles, credit policy and risk appetite, delegated authorities and segregation of duties. You then follow a loan through its life: origination standards, borrower analysis, security and documentation checks, covenant monitoring, classification and IFRS 9 expected credit loss provisioning, restructuring and recovery. Compliance topics include lending limits, insider and connected party exposure, know your customer requirements, data and model governance, and internal audit reviews of credit files. Exercises use anonymised loan files to find control breaks and draft remedial actions. Credit officers, risk managers, compliance and internal audit staff, board credit committee members and bank supervisors from banks, SACCOs, microfinance institutions and development finance institutions will benefit. Classroom, online and in-house formats end in a CPD-accredited certificate.
About this course
Lending remains the main source of risk and income for most financial institutions, and it is also where regulators concentrate their attention. Rising non-performing loans, tighter capital rules and the move to forward-looking provisioning under IFRS 9 mean that credit decisions must be consistent, documented and defensible. Weak governance allows exceptions to become habits and small control lapses to grow into material losses.
The Governance and Compliance in Credit Risk & Lending Training Course concentrates on the controls that surround credit rather than on credit scoring alone. It starts with the responsibilities of the board, senior management and the three lines of defence, then examines credit policy, risk appetite statements, concentration limits and delegated authority. The second part follows the lending cycle: origination, appraisal, approval, disbursement conditions, documentation, monitoring and covenant tracking. The final sessions address classification, provisioning, restructuring, recovery and the independent review of credit files by audit and supervisors.
Participants analyse anonymised case files, identify control weaknesses and write corrective actions. They also practise preparing credit committee papers and board credit risk reports. The course closes with an action plan to tighten governance and compliance in the participant's own lending operation.
Training Objectives
By the end of the course, participants will be able to:
- Define board, management and three-line responsibilities for credit risk governance.
- Draft or review credit policy provisions and risk appetite limits.
- Apply delegated lending authorities and segregation of duties correctly.
- Detect compliance breaches involving insider lending, concentration and documentation gaps.
- Set up covenant monitoring and early warning processes for performing loans.
- Explain loan classification and IFRS 9 expected credit loss concepts and their governance.
- Evaluate restructuring and recovery decisions against policy and fairness.
- Review credit files and report control weaknesses with practical recommendations.
What you'll learn
Key Takeaways
Participants complete the course with:
- A credit governance checklist covering policy, authority, documentation and monitoring.
- A tested method for reviewing loan files and rating control weaknesses.
- A template for credit committee papers and board credit risk reports.
- Practical wording for covenants and monitoring triggers.
- A clear view of how provisioning decisions should be governed and challenged.
- An action plan to close control gaps in their own organisation.
Training Methodology
The course is practical and file-based. It uses:
- Anonymised loan files containing deliberate control breaks to find and correct
- Short briefings on regulatory expectations and good practice
- Role plays of credit committee and board challenge sessions
- Drafting workshops for reports, policies and covenants
- Group discussion of participants' own governance dilemmas
Day 1: Credit Risk Governance Foundations
- Board, management and three lines of defence in lending
- Credit policy structure and risk appetite statements
- Concentration, sector and single obligor limits
- Delegated authority and segregation of duties
- Regulatory expectations for sound credit practice
- Exercise: reviewing an extract of a credit policy
Day 2: Origination, Appraisal and Approval
- Know your customer and borrower due diligence
- Borrower analysis: cash flow, capacity, character and conditions
- Collateral valuation, perfection and documentation
- Insider and related-party lending rules
- Credit committee papers and recording decisions
- Case study: a loan approved outside authority
Day 3: Monitoring and Early Warning
- Disbursement conditions and drawdown controls
- Covenant design and compliance tracking
- Early warning indicators and watchlists
- Account conduct, site visits and borrower reporting
- Escalation protocols and management information
- Lab: designing a covenant and early warning dashboard
Day 4: Classification, Provisioning and Reporting
- Loan classification and non-performing loan definitions
- IFRS 9 staging and expected credit loss in outline
- Governance of models, inputs and management overlays
- Restructuring, forbearance and the risk of evergreening
- Credit risk reporting to the board and regulator
- Exercise: challenging a provisioning proposal
Day 5: Recovery, Review and Assurance
- Collection strategy and legal recovery options
- Write-offs, authority and recovery tracking
- Internal audit and independent credit review methods
- Whistleblowing, fraud and culture in lending
- Remediation planning and follow-up of findings
- Final workshop: audit of a sample loan file
The course is suited to those who approve, oversee or examine lending, including:
- Credit officers and credit committee members
- Chief risk officers and credit risk managers
- Compliance officers in banks and non-bank lenders
- Internal auditors and external audit staff reviewing loan books
- Board risk and credit committee members
- Bank supervisors and examiners
- SACCO and microfinance institution managers
- Development finance and lending programme officers
Participants who attend all five days and complete the practical file reviews are awarded a CPD-accredited Certificate of Completion by Vision Reach Global Consultancy.
Upcoming cohorts
CPD-Accredited
Official invoice & confirmation letter provided
Team discount for 3+ seats
Need help with this booking?
Our training team can help with group pricing, invoicing, or picking the right schedule.
Choose Where You Want to Learn
Governance and Compliance in Credit Risk & Lending Training Course Venues
GhanaAccraNext Nov 16· 13 dates$4,500
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
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Frequently Asked Questions About Governance and Compliance in Credit Risk & Lending Training Course in Ghana
Everything you need to know about this course before you register.
Governance and Compliance in Credit Risk & Lending Training Course runs as classroom training in Accra, Ghana, in Monday-to-Friday cohorts that start every four weeks. You can also join a live online cohort from anywhere in Ghana, or book it in-house at your organisation's own premises.
The next classroom cohort in Ghana starts on November 16, 2026 in Accra, and a new intake follows every four weeks in each city. Pick a city and date in the schedule panel above, then click "Register for the Course" — your seat is confirmed once payment or a signed purchase order is received.
The classroom fee for Governance and Compliance in Credit Risk & Lending Training Course in Ghana is USD 4,500 per delegate. The fee covers tuition and course materials. Register 3 or more delegates together and a 5% team discount is applied automatically.
Yes — Governance and Compliance in Credit Risk & Lending Training Course can be delivered at your offices anywhere in Ghana, or at a venue you choose, on dates that suit your team, with case studies tailored to your sector. Switch to the "In-House" tab in the schedule panel above to request a proposal.
Yes. Governance and Compliance in Credit Risk & Lending Training Course also runs as live online training: the same curriculum as the classroom programme, taught by a trainer in real time, so you can join from anywhere in Ghana without travelling. Choose "Virtual Live" in the schedule panel above to see the online dates and fee.
By the end of the Governance and Compliance in Credit Risk & Lending programme, you'll be able to define board, management and three-line responsibilities for credit risk governance, draft or review credit policy provisions and risk appetite limits, apply delegated lending authorities and segregation of duties correctly, and detect compliance breaches involving insider lending, concentration and documentation gaps. The full breakdown of topics is covered session by session in the Course Outline tab above.
The course is suited to those who approve, oversee or examine lending, including: Credit officers and credit committee members, Chief risk officers and credit risk managers, Compliance officers in banks and non-bank lenders, Internal auditors and external audit staff reviewing loan books, Board risk and credit committee members, Bank supervisors and examiners, SACCO and microfinance institution managers, and Development finance and lending programme officers.
Governance and Compliance in 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.
Yes — delegates who meet the attendance requirement receive a Certificate of Completion for Governance and Compliance in Credit Risk & Lending Training Course from Vision Reach Global Consultancy, issued in the name you register with, so double-check the spelling at checkout.
Governance and Compliance in 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.
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Training by Country
Governance and Compliance in Credit Risk & Lending Training Course in Other Countries
- Governance and Compliance in Credit Risk & Lending Training Course in KenyaKEClassroom in Nairobi, Mombasa, Naivasha, Kisumu, Machakos
- Governance and Compliance in Credit Risk & Lending Training Course in NigeriaNGClassroom in Lagos, Abuja
- Governance and Compliance in Credit Risk & Lending Training Course in RwandaRWClassroom in Kigali
- Governance and Compliance in Credit Risk & Lending Training Course in South AfricaZAClassroom in Pretoria, Johannesburg, Cape Town
- Governance and Compliance in Credit Risk & Lending Training Course in TanzaniaTZClassroom in Arusha, Dodoma, Dar es Salaam, Zanzibar
- Governance and Compliance in Credit Risk & Lending Training Course in UgandaUGClassroom in Kampala
- Governance and Compliance in Credit Risk & Lending Training Course in the UAEAEClassroom in Dubai
- Governance and Compliance in Credit Risk & Lending Training Course worldwideEvery city, online and in-house date
- Live Online Governance and Compliance in Credit Risk & Lending Training CourseInstructor-led, joined from anywhere
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