Credit Risk Management

Course Overview

Learning Objectives

• Analyze the principles and components of Credit Risk Management and evaluate their application within banking institutions by the end of the course.
• Develop structured methodologies for identifying, assessing, measuring, monitoring, and mitigating credit risk throughout the credit lifecycle.
• Evaluate borrower creditworthiness using financial, qualitative, and industry risk assessment techniques during practical exercises.
• Apply internal credit rating methodologies and risk classification systems to lending decisions.
• Design effective credit risk mitigation strategies through collateral evaluation, guarantees, covenants, and portfolio diversification.
• Improve credit portfolio quality by implementing monitoring processes and early warning indicators throughout the course.
• Strengthen credit governance by evaluating credit policies, approval authorities, and risk oversight frameworks.
• Implement stress testing and scenario analysis techniques to assess portfolio resilience under changing economic conditions.
• Assess problem loans and recommend appropriate restructuring, recovery, and remediation strategies.
• Align Credit Risk Management practices with regulatory expectations, organizational policies, and strategic business objectives before course completion.

Who Should Attend

Learning Outcomes

• By the end of this course, participants will be able to:
• Identify and evaluate key sources of credit risk across various lending portfolios.
• Conduct comprehensive borrower credit assessments using financial and non-financial analysis.
• Apply structured credit risk rating methodologies to support lending decisions.
• Develop effective credit risk mitigation strategies using appropriate risk management techniques.
• Assess collateral quality and determine its effectiveness in reducing credit exposure.
• Monitor credit portfolios using Key Risk Indicators (KRIs), concentration limits, and early warning systems.
• Evaluate problem loans and recommend suitable restructuring and recovery strategies.
• Conduct stress testing and scenario analysis to assess credit portfolio resilience.
• Prepare professional credit risk reports that support management and credit committee decision-making.
• Develop practical action plans to strengthen Credit Risk Management frameworks within their organizations.

Course Outline

Upcoming Dates