# Credit Risk Management

> Assess, price and manage credit risk across lending portfolios.

- **Provider:** Afriskora Training Solutions
- **Category:** Banking, Economics & Monetary Policy
- **Duration:** 5 days
- **Formats:** classroom (cities across Africa), live virtual (Zoom/Teams), in-house for teams
- **Certificate:** Afriskora Certificate of Completion, verifiable online
- **Booking:** request dates and a quote; invoice and EFT payment
- **Web page:** https://afriskora.co.za/courses/banking-economics/credit-risk-management
- **Request dates:** https://afriskora.co.za/request-training?course=credit-risk-management

## Overview

This course covers credit analysis of individuals, SMEs and corporates, credit scoring, collateral and security, portfolio management, IFRS 9 expected credit loss concepts, problem loans and recoveries.

## Who should attend

- Credit analysts and officers
- Risk managers in banks and MFIs
- Relationship managers
- Bank supervisors

## Learning outcomes

- Analyse borrowers' creditworthiness
- Use credit scoring and rating models
- Structure security and covenants
- Manage portfolio concentration and losses
- Handle problem loans and recoveries

## Course outline

### Day 1: Credit fundamentals

- Credit risk concepts
- Credit policy
- Credit process
- Regulation

### Day 2: Credit analysis

- Financial analysis
- Cash flow lending
- SME lending
- Credit scoring

### Day 3: Structuring

- Collateral and security
- Covenants
- Pricing for risk
- Documentation

### Day 4: Portfolio management

- Concentration risk
- Expected credit loss
- Stress testing
- Reporting

### Day 5: Problem loans

- Early warning signs
- Restructuring
- Collections and recoveries
- Case study