Credit & Lending Management#1017
Credit Analysis & Lending Decisions
Equips lenders to read borrower financial statements, test repayment capacity through cash flow and ratio analysis, and reach sound lending decisions.
5 Days·Classroom
Advanced Lending & Credit Assessment
Strengthens the judgment to analyze complex lending proposals, combine financial and qualitative review and structure facilities around repayment capacity.
CLM · Credit & Lending Management#1026Classroom
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Free substitution at any time · 30+ days' notice: full refund minus 10%. Cancellation policy
Sectors:Finance, Investment & BankingCategories:Credit & Lending Management
Course Overview
Advanced Lending & Credit Assessment is a comprehensive professional training course designed to equip banking and finance professionals with advanced knowledge and practical skills in evaluating credit risk, structuring lending solutions, and making high-quality lending decisions. As financial institutions operate in increasingly complex economic and regulatory environments, advanced credit assessment has become a strategic capability for maintaining portfolio quality, protecting asset value, and supporting sustainable business growth. This course provides participants with a structured framework for conducting advanced credit assessments by integrating financial analysis, cash flow evaluation, qualitative business assessment, industry and market analysis, credit risk measurement, and professional credit judgment. Participants will learn how to evaluate borrower creditworthiness across corporate, commercial, SME, and institutional lending while aligning lending decisions with organizational risk appetite and strategic objectives. The program also explores advanced lending methodologies, including credit structuring, collateral evaluation, internal credit rating systems, portfolio risk assessment, early warning indicators, and credit monitoring. Participants will gain practical experience in developing comprehensive credit recommendations, assessing complex financing requests, and balancing commercial opportunities with prudent credit risk management. The course emphasizes governance, regulatory compliance, and best practices that support consistent and well-informed lending decisions. Through practical case studies, financial analysis workshops, lending simulations, and real-world credit scenarios, participants will strengthen their ability to assess complex lending opportunities, identify emerging risks, prepare professional credit recommendations, and improve the overall quality of lending decisions. The course supports banks, financial institutions, government financing agencies, development banks, and large organizations seeking to strengthen their advanced lending and credit assessment capabilities while enhancing long-term portfolio performance.
Learning Objectives
- Analyze complex lending proposals using advanced credit assessment methodologies by the end of the course.
- Evaluate borrower creditworthiness through comprehensive financial, operational, and qualitative analysis.
- Apply advanced financial statement and cash flow analysis techniques to support lending decisions.
- Develop effective lending structures based on borrower needs, repayment capacity, and risk profile.
- Assess financial, operational, industry, and market risks affecting credit quality.
- Improve lending decisions through integrated quantitative and qualitative credit assessment techniques.
- Strengthen the ability to identify early warning indicators and emerging credit risks.
- Implement best practices in preparing professional credit recommendations and credit committee presentations.
- Assess portfolio implications of lending decisions to support sustainable credit portfolio management.
- Align advanced lending and credit assessment practices with governance frameworks, organizational policies, and regulatory requirements.
Who Should Attend
This course is designed for senior credit analysts, credit managers, lending officers, relationship managers, corporate banking professionals, commercial banking specialists, SME banking professionals, loan officers, portfolio managers, credit risk analysts, credit review specialists, and professionals responsible for evaluating and approving lending facilities within financial institutions.
It is also suitable for heads of credit, chief risk officers, credit committee members, branch managers, enterprise risk professionals, internal auditors, compliance officers, development finance specialists, government financing agencies, investment professionals, finance executives, and decision-makers responsible for strengthening lending governance, improving credit quality, and enhancing organizational credit risk management.
Learning Outcomes
- By the end of this course, participants will be able to:
- Conduct advanced credit assessments using structured analytical methodologies.
- Evaluate borrower financial strength through financial statement and cash flow analysis.
- Assess qualitative, operational, industry, and market risks influencing lending decisions.
- Design lending structures that balance customer requirements with institutional risk appetite.
- Apply internal credit rating methodologies to support objective credit decisions.
- Prepare professional credit assessment reports and lending recommendations.
- Identify early warning indicators and implement proactive credit risk management strategies.
- Evaluate the impact of lending decisions on credit portfolio quality and organizational performance.
- Apply international best practices in advanced lending and credit assessment.
- Develop strategic lending approaches that support sustainable growth while maintaining prudent credit risk management.
Course Outline
Course Outline:
Advanced Foundations of Lending & Credit Assessment
- Strategic principles of modern lending
- The advanced credit assessment process
- Credit governance, policies, and approval frameworks
- Risk appetite and lending decision principles
- Practical application: Evaluating complex lending requests
Advanced Financial Analysis and Borrower Assessment
- Advanced financial statement analysis
- Cash flow analysis and repayment capacity evaluation
- Business model, management, and industry assessment
- Qualitative and quantitative credit analysis techniques
- Practical application: Comprehensive borrower credit assessment
Credit Structuring and Risk Evaluation
- Structuring complex lending facilities
- Collateral evaluation and credit enhancement techniques
- Internal credit rating methodologies
- Credit risk assessment and mitigation strategies
- Practical application: Developing a complete lending recommendation
Lending Decisions and Portfolio Risk Management
- Advanced credit decision-making frameworks
- Credit committee reporting and presentation techniques
- Early warning indicators and credit monitoring
- Portfolio quality management and problem loan prevention
- Practical application: Credit case analysis and lending decision simulation
Best Practices in Advanced Lending & Credit Assessment
- Regulatory expectations and governance standards
- Digital transformation and data analytics in lending
- Continuous improvement in credit assessment and lending processes
- Building a high-quality lending culture within financial institutions
- Final workshop: Conduct a comprehensive credit assessment, structure an appropriate lending solution, evaluate key risks, prepare a professional credit recommendation, and develop an implementation action plan to strengthen advanced lending and credit assessment practices within the organization.
Upcoming Dates
Selected date
Accra · 20 – 24 Sept 2027 · Classroom
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| City | Dates | Price per Participant | Early Bird | |
|---|---|---|---|---|
ManamaScheduled | 2 – 6 Nov 2026 | €4,700 | — | |
BarcelonaScheduled | 2 – 6 Nov 2026 | €5,400 | — | |
BeirutScheduled | 8 – 12 Nov 2026 | €4,000 | — | |
MilanScheduled | 9 – 13 Nov 2026 | €6,000 | — | |
OnlineScheduled | 15 – 19 Nov 2026 | €1,700 | — | |
CairoScheduled | 15 – 19 Nov 2026 | €3,300 | — | |
TunisiaScheduled | 23 – 27 Nov 2026 | €3,800 | €3,420until 2 Nov | |
Cape TownScheduled | 23 – 27 Nov 2026 | €5,100 | €4,590until 2 Nov | |
DammamScheduled | 29 Nov – 3 Dec 2026 | €4,200 | €3,780until 9 Nov | |
ManamaScheduled | 30 Nov – 4 Dec 2026 | €4,700 | €4,230until 9 Nov | |
DohaScheduled | 6 – 10 Dec 2026 | €4,400 | €3,960until 16 Nov | |
MilanScheduled | 7 – 11 Dec 2026 | €6,000 | €5,400until 16 Nov | |
OnlineScheduled | 13 – 17 Dec 2026 | €1,700 | €1,530until 23 Nov | |
DubaiScheduled | 13 – 17 Dec 2026 | €4,400 | €3,960until 23 Nov | |
GenevaScheduled | 14 – 18 Dec 2026 | €6,300 | €5,670until 23 Nov | |
TunisiaScheduled | 21 – 25 Dec 2026 | €3,800 | €3,420until 30 Nov | |
IstanbulScheduled | 21 – 25 Dec 2026 | €4,700 | €4,230until 30 Nov | |
ManamaScheduled | 28 Dec 2026 – 1 Jan 2027 | €4,700 | €4,230until 7 Dec | |
JeddahScheduled | 3 – 7 Jan 2027 | €4,200 | €3,780until 14 Dec | |
MilanScheduled | 4 – 8 Jan 2027 | €6,000 | €5,400until 14 Dec | |
KigaliScheduled | 4 – 8 Jan 2027 | €5,100 | €4,590until 14 Dec | |
OnlineScheduled | 10 – 14 Jan 2027 | €1,700 | €1,530until 21 Dec | |
Kuala LumpurScheduled | 11 – 15 Jan 2027 | €4,400 | €3,960until 21 Dec | |
TunisiaScheduled | 18 – 22 Jan 2027 | €3,800 | €3,420until 28 Dec | |
LisbonScheduled | 18 – 22 Jan 2027 | €5,400 | €4,860until 28 Dec | |
ManamaScheduled | 25 – 29 Jan 2027 | €4,700 | €4,230until 4 Jan | |
LondonScheduled | 25 – 29 Jan 2027 | €5,600 | €5,040until 4 Jan | |
MilanScheduled | 1 – 5 Feb 2027 | €6,000 | €5,400until 11 Jan | |
MadinahScheduled | 1 – 5 Feb 2027 | €4,200 | €3,780until 11 Jan | |
OnlineScheduled | 7 – 11 Feb 2027 | €1,700 | €1,530until 18 Jan | |
AccraScheduled | 20 – 24 Sept 2027 | €5,100 | €4,590until 30 Aug |
Available in: Istanbul · Dubai · London · Riyadh · Doha · Amsterdam
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