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SME Credit & Lending Management

Prepares bankers to assess SME financing needs and creditworthiness, structure suitable facilities and use collateral and guarantees to mitigate lending risk.

CLM · Credit & Lending Management#1025Classroom
Duration
5 Days
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Free substitution at any time · 30+ days' notice: full refund minus 10%. Cancellation policy

Course Overview

SME Credit & Lending Management is a comprehensive professional training course designed to equip banking and finance professionals with the knowledge and practical skills required to effectively evaluate, structure, manage, and monitor credit facilities for Small and Medium Enterprises (SMEs). As SMEs continue to play a vital role in economic growth, innovation, employment, and private sector development, financial institutions must adopt specialized credit management practices that balance business development objectives with sound risk management principles. This course provides participants with a structured understanding of the SME lending lifecycle, from assessing financing needs and evaluating business viability to conducting credit analysis, structuring lending facilities, monitoring portfolio performance, and managing credit risk. Participants will develop the expertise required to assess the unique characteristics of SME businesses, interpret financial and non-financial information, and make well-informed lending decisions that support sustainable business growth. The program also explores advanced approaches to SME credit assessment, including financial statement analysis, cash flow evaluation, industry and market analysis, collateral assessment, credit scoring methodologies, portfolio monitoring, and early warning indicators. Special emphasis is placed on developing practical lending strategies, strengthening portfolio quality, improving credit decision consistency, and aligning SME lending practices with governance frameworks and regulatory expectations. Through practical case studies, interactive workshops, and real-world SME lending scenarios, participants will strengthen their ability to evaluate credit applications, structure appropriate financing solutions, manage SME credit portfolios, and implement effective risk mitigation strategies. The course supports banks, financial institutions, government financing agencies, development banks, SME development organizations, and corporate lenders seeking to enhance their SME financing capabilities while promoting sustainable economic development.

Learning Objectives

  • Analyze the financial and operational characteristics of SMEs to assess financing requirements by the end of the course.
  • Evaluate SME creditworthiness using structured financial and qualitative credit assessment methodologies.
  • Apply financial statement and cash flow analysis techniques to support SME lending decisions.
  • Develop appropriate lending structures based on borrower needs, repayment capacity, and risk profile.
  • Assess collateral, guarantees, and credit risk mitigation techniques for SME financing.
  • Improve lending decisions through objective credit analysis and portfolio risk assessment.
  • Strengthen the ability to identify early warning indicators of SME financial distress.
  • Implement effective monitoring and portfolio management practices for SME lending.
  • Assess the impact of economic, industry, and market conditions on SME credit performance.
  • Align SME credit and lending management practices with organizational policies, governance standards, and regulatory requirements.

Who Should Attend

This course is designed for SME relationship managers, credit analysts, lending officers, commercial banking professionals, SME banking specialists, credit managers, portfolio managers, loan officers, credit review professionals, risk analysts, business banking professionals, and specialists responsible for evaluating and managing SME lending portfolios within financial institutions. It is also suitable for heads of SME banking, heads of credit, chief risk officers, credit committee members, branch managers, internal auditors, compliance professionals, government financing agencies, development finance institutions, SME development organizations, investment professionals, and executives responsible for strengthening SME financing strategies, improving credit quality, and enhancing portfolio performance.

Learning Outcomes

  • By the end of this course, participants will be able to:
  • Analyze SME business models and financing requirements.
  • Evaluate SME creditworthiness using financial and qualitative assessment techniques.
  • Interpret financial statements and cash flow performance to support lending decisions.
  • Structure appropriate lending facilities based on borrower needs and risk profiles.
  • Assess collateral arrangements and credit risk mitigation strategies for SME financing.
  • Prepare professional SME credit assessment reports and lending recommendations.
  • Monitor SME credit portfolios using key performance indicators and early warning systems.
  • Identify emerging credit risks and implement proactive risk management strategies.
  • Apply international best practices in SME credit and lending management to improve portfolio quality.
  • Develop sustainable SME financing strategies that balance business growth with prudent credit risk management.

Course Outline

Course Outline:

Day 1

Foundations of SME Credit & Lending Management

  • The economic importance of SMEs and their financing needs
  • Characteristics of SME businesses and lending challenges
  • The SME credit lifecycle
  • Credit policies, governance, and risk management frameworks
  • Practical application: Assessing SME financing requirements through case studies
Day 2

SME Credit Assessment and Financial Analysis

  • Financial statement analysis for SMEs
  • Cash flow analysis and repayment capacity assessment
  • Business model, management, and industry risk evaluation
  • Qualitative and quantitative credit assessment methodologies
  • Practical application: Preparing a comprehensive SME credit assessment
Day 3

Structuring SME Lending Facilities

  • Designing appropriate SME financing solutions
  • Working capital finance and term lending structures
  • Collateral evaluation and security arrangements
  • Credit risk mitigation strategies for SME lending
  • Practical application: Structuring an SME lending facility based on borrower requirements
Day 4

SME Portfolio Management and Credit Monitoring

  • SME portfolio management principles
  • Credit monitoring and early warning indicators
  • Managing problem loans and restructuring SME facilities
  • Performance reporting and portfolio quality assessment
  • Practical application: Evaluating SME portfolio performance and recommending corrective actions
Day 5

Best Practices in SME Credit & Lending Management

  • Regulatory expectations and governance for SME financing
  • Digital transformation and data analytics in SME credit assessment
  • Continuous improvement in SME lending processes
  • Building sustainable SME financing strategies
  • Final workshop: Conduct a complete SME credit assessment, structure an appropriate lending solution, evaluate key risks, prepare a professional lending recommendation, and develop an implementation action plan to strengthen SME credit and lending management within the organization.

Upcoming Dates

Selected date

Milan · 2 – 6 Nov 2026 · Classroom

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CityDatesPrice per ParticipantEarly Bird
MilanScheduled
2 – 6 Nov 2026€6,000—
BangkokScheduled
2 – 6 Nov 2026€6,100—
OnlineScheduled
8 – 12 Nov 2026€1,700—
BarcelonaScheduled
9 – 13 Nov 2026€5,400—
BeirutScheduled
15 – 19 Nov 2026€4,000—
TunisiaScheduled
16 – 20 Nov 2026€3,800—
CairoScheduled
22 – 26 Nov 2026€3,300€2,970until 2 Nov
ManamaScheduled
23 – 27 Nov 2026€4,700€4,230until 2 Nov
Cape TownScheduled
30 Nov – 4 Dec 2026€5,100€4,590until 9 Nov
MilanScheduled
30 Nov – 4 Dec 2026€6,000€5,400until 9 Nov
OnlineScheduled
6 – 10 Dec 2026€1,700€1,530until 16 Nov
DammamScheduled
6 – 10 Dec 2026€4,200€3,780until 16 Nov
DohaScheduled
13 – 17 Dec 2026€4,400€3,960until 23 Nov
TunisiaScheduled
14 – 18 Dec 2026€3,800€3,420until 23 Nov
DubaiScheduled
20 – 24 Dec 2026€4,400€3,960until 30 Nov
ManamaScheduled
21 – 25 Dec 2026€4,700€4,230until 30 Nov
GenevaScheduled
21 – 25 Dec 2026€6,300€5,670until 30 Nov
MilanScheduled
28 Dec 2026 – 1 Jan 2027€6,000€5,400until 7 Dec
IstanbulScheduled
28 Dec 2026 – 1 Jan 2027€4,700€4,230until 7 Dec
JeddahScheduled
3 – 7 Jan 2027€4,200€3,780until 14 Dec
OnlineScheduled
3 – 7 Jan 2027€1,700€1,530until 14 Dec
TunisiaScheduled
11 – 15 Jan 2027€3,800€3,420until 21 Dec
KigaliScheduled
11 – 15 Jan 2027€5,100€4,590until 21 Dec
Kuala LumpurScheduled
18 – 22 Jan 2027€4,400€3,960until 28 Dec
ManamaScheduled
18 – 22 Jan 2027€4,700€4,230until 28 Dec
LisbonScheduled
25 – 29 Jan 2027€5,400€4,860until 4 Jan
MilanScheduled
25 – 29 Jan 2027€6,000€5,400until 4 Jan
OnlineScheduled
31 Jan – 4 Feb 2027€1,700€1,530until 11 Jan
LondonScheduled
1 – 5 Feb 2027€5,600€5,040until 11 Jan
MadinahScheduled
8 – 12 Feb 2027€4,200€3,780until 18 Jan

Available in: Istanbul · Dubai · London · Riyadh · Doha · Amsterdam

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