Lenders in emerging markets face uneven borrower information, volatile currencies and cash flows that follow harvest, commodity and project cycles. Rising non-performing loans, tighter capital rules and the expected credit loss approach of IFRS 9 mean that credit decisions are scrutinised more closely than ever by boards, regulators and auditors. Institutions that lend on collateral alone, or that lack a consistent method of analysis, tend to find out too late where the risk was.

The Applied Credit Risk & Lending Training Course follows a loan through its life. Participants begin with the credit policy, risk appetite and the sources of credit risk, then learn to read and spread financial statements, analyse management quality, industry conditions and cash flow, and determine debt service capacity. The structuring sessions deal with loan products, tenor, security valuation, guarantees, covenants and conditions precedent. Rating and scoring methods, pricing and credit committee documentation follow, before the course turns to monitoring, provisioning, restructuring and recovery.

Teaching is built on cases and calculations. Participants analyse real-style borrower files, apply ratios and sensitivity tests, assign ratings and write recommendations. By the final day they will have compiled a complete credit paper and an action plan for improving credit quality in their own portfolios.

By the end of the course, participants will be able to:

• Describe the credit lifecycle and the policies that govern each stage.
• Spread financial statements and compute the ratios that matter for repayment capacity.
• Prepare cash flow analysis and stress-test projections for corporate and SME borrowers.
• Structure facilities with suitable tenor, security, covenants and conditions.
• Assign internal risk ratings and interpret credit scoring outputs.
• Price loans to reflect risk, cost of funds and capital.
• Apply IFRS 9 staging and expected credit loss concepts to a portfolio.
• Recognise early warning signs and select restructuring or recovery actions.

The course is designed for professionals who originate, approve or monitor credit, including:

• Credit analysts and credit risk officers
• Relationship managers and business bankers
• Loan officers in banks, SACCOs and microfinance institutions
• Credit committee members and heads of credit
• Collections and recovery officers
• Trade finance and asset finance officers
• Internal and external auditors reviewing loan books
• Development finance and fund managers lending to enterprises

Participants leave with:

• A financial spreading and ratio template for borrower analysis.
• A worked cash flow and sensitivity model.
• A credit paper format with recommendation, risks and mitigants.
• A basic scorecard for rating small and medium borrowers.
• A simple IFRS 9 staging and provisioning workbook.
• An early warning checklist and recovery decision guide.

The course favours calculation, case work and committee practice. Delivery includes:

• Borrower case files from corporate, SME, trade and retail lending
• Spreadsheet labs for ratios, cash flow stress tests and provisioning
• Mock credit committee sessions with questioning and decisions
• Group analysis of failed loans to identify missed signals
• Feedback on each participant's credit paper

Participants who attend the sessions and complete the case exercises are awarded a CPD-accredited Certificate of Completion by Vision Reach Global Consultancy.

It records completed training and does not replace a banking licence or professional credit qualification.