Intermediate Credit Program

DURATION

TARGET AUDIENCE

Relationship Officers, Branch Managers, Credit Analysts, Segment/departmental Heads in credit functions, Treasury Officers

TRAINING OBJECTIVE/OUTCOME

The course will equip participants with advance credit skills in credit analysis, financial statement analysis, credit structuring, some specialised credits, documentations etc. It will acquaint them elements credit risk management

PROGRAM CONTENT

Sources of Credit risks and the role of credit analysis and mitigation

• Review of macro-economic environment and the international economic sector and impact for lending activities in the current year.
• Sources of Credit risks and the role of credit analysis and mitigation
• Credit types by structure, Line of Credit , credit structuring under secured and unsecured scenarios,
• Financial Statements, Ratio Analysis and interpretations.
• Preparation of Financial spread sheet.
• Legal documentations.
• Loan fraud, detection and management.
• Introduction to Credit Risk Management- Credit Exposure, Types, Limits and criteria.
• Specialise Credits – Leases, warehousing and other asset-based lending.
• Issuance and Management of contingent liabilities. Exposure.
• Case studies

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