Course Objectives

The course is designed to equip participants with fundamental understanding of the credit analysis process,
risk exposures in the process and discuss in detail, various aspects of financial statement analysis, including
ratio and cash flow analysis, among others to help in making better credit-related decisions.

Course Contents

• Types of Borrowers & their needs
• Types of Credit facilities offered by Banks
• Structuring of facilities
• Principles of Good Lending
• The macro perspective – Lepest the micro perspective competitors
• Communication Skills and Relationship Management
• Why banks require financials in lending
• Financials used by personal clients
• Financials used by business customers:
• Credit appraisals
• Securities
• Monitoring of an asset book
• Monitoring & Controls
• Risk management terminologies
• Purpose of risk management
• Credit Risk Management Regulations
• Credit Risk Management Framework
• Credit Risk – Financial risk, Industry analysis
• Credit Risk management process
• Credit Risk Management Tools
• Debt recovery

Target Group: Credit officers, supervisors and middle managers in credit operations