Credit risk is the largest risk in most lending institutions, and the quality of its monitoring decides how early problems are noticed. Regulators expect robust internal reporting, boards want assurance that approved policies are producing the intended results, and funders ask for evidence that loans are reaching target groups without hidden losses.

This programme combines monitoring and evaluation disciplines with the practical needs of credit teams. Participants begin by mapping the credit lifecycle and defining what success looks like at each stage, from origination to collection. They build indicator sets for portfolio quality, concentration, pricing adequacy and operational compliance, and learn to separate warning signals from noise. A second block deals with evaluation: validating scorecards and rating models, analysing approval and decline outcomes, reviewing restructured accounts and judging recovery strategies against cost and cash returned.

The final sessions examine reporting, covering dashboards for committees, regulatory returns, expected credit loss analysis and the governance of corrective action. Sessions use sample loan-level data in spreadsheets, case files and group reviews. Each participant produces a monitoring plan and an evaluation terms of reference for a lending product in their own organisation.

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

• Design a credit monitoring framework with indicators, thresholds and escalation rules.
• Analyse portfolio quality using PAR, vintage, roll-rate and migration analysis.
• Identify early warning signals at account, borrower and sector level.
• Evaluate the performance of scorecards, rating models and underwriting standards.
• Assess the effectiveness of restructuring, collections and recovery strategies.
• Interpret the effect of IFRS 9 staging and provisioning on reported portfolio health.
• Produce management and board reports that lead to timely corrective action.

The course suits professionals who monitor, review or oversee credit portfolios, including:

• Credit risk officers and portfolio managers in banks
• Microfinance institution and SACCO credit managers
• Credit analysts and loan review officers
• Internal auditors and risk and compliance staff
• Collections and recovery managers
• Development finance institution and fund investment officers
• Board credit and risk committee members
• Monitoring and evaluation officers in credit and agricultural finance programmes

Participants leave with:

• A credit monitoring scorecard with indicators and trigger levels.
• A spreadsheet workbook for vintage, roll-rate and concentration analysis.
• A watchlist procedure with defined actions and owners.
• A method for back-testing scorecard performance on sample data.
• A template terms of reference for evaluating a lending product.
• A board-ready credit performance report layout.

The programme couples credit analytics with evaluation practice. Delegates experience:

• Practitioner-led explanations of each monitoring and evaluation tool
• Spreadsheet labs on sample loan-level data with answer walk-throughs
• Case files of portfolios that deteriorated, reviewed in small groups
• Mock credit committee sessions where findings are presented and challenged
• Peer feedback on each person's monitoring plan

A CPD-accredited Certificate of Completion, issued by Vision Reach Global Consultancy, is awarded to participants who attend the programme in full and complete its analytical exercises.