Basic Credit Risk Analysis and Management

Why Attend

Lending activities constitute the most prominent and primary source of earnings for lending/financial
institutions as intermediaries in the financial market. Credit risk assets also pose the greatest danger
to the survival or existence of any lending institution. It is therefore imperative that all lending officers
and risk managers in the institution are equipped with the technical and analytical skills required to
analyze credit risks (identify, quantify, mitigate, and manage risks).
This training and mentoring programme is comprehensively designed to strengthen the capacity of
all participants to understand credit policy issues, appraise credit requests, analyze various credit
risks, package and process loans, and effectively manage the bank’s loan portfolio in their assigned
business areas.

Event Date: –

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Overview
Course Outline

It is guaranteed to deepen and widen the skills and capabilities of participants to understand
and analyze the inherent and imminent risks posed by activities or events or changes in the macro-
economy (global, regional, and national), and the industry environment on borrowing firms; and
hence, be better able to mitigate and manage such risks. Critical topics in environmental and
business-specific analyses, loan structuring, financial ratios analysis, loan monitoring, among others
would be clearly treated.
Participants would find this programme very useful for maintaining healthy and high-performing risk
asset portfolios for the bank under the current uncertainties.
Who Should Attend?
 Account/ Relationship Officers
 Credit Analysts and Administrators
 Credit Approval Officers
 Relationship Managers
 Business Leaders
Course duration: 3 days
Time: 10.00am – 5pm Daily
Course Fees: N125,000.00 Per Participant.

Topics To Be Covered:
The following modules/topics would be handled during the programme:
 Bank Lending and the Related Risks
 Overview of Credit Risk Analysis
 Understanding Credit Policy Guides (With a Study Of The Bank’s Credit Policy Guide).
 Macroeconomic, Industry, and Business Specific Risks Analysis for Lenders
 Evaluating Management Capacity
 Analyzing Customer Banking Relationships
 Financial Risks Analysis – Cracking the Ratios.
 Working Capital Analysis
 Mastering Loan Structuring
 Loan Types and Appropriate Collateral Types.
 Credit Administration, Processing, and Disbursement
 Loan Monitoring and Post-Disbursement Tips
 Parting Shots!