Credit risk remains one of the most critical risks faced by financial institutions, lending organizations, and corporate entities. Effective Credit Risk Analysis and Loan Portfolio Management are essential for maintaining asset quality, ensuring profitability, and safeguarding financial stability.

This course provides a comprehensive and practical approach to assessing borrower creditworthiness, structuring credit facilities, monitoring loan performance, and managing loan portfolios. It equips participants with modern tools, analytical techniques, and best practices aligned with global banking standards.

Participants will learn how to evaluate financial statements, conduct risk ratings, manage non-performing loans (NPLs), and optimize portfolio performance while maintaining regulatory compliance and minimizing credit losses.

Course Objectives

By the end of this course, participants will be able to:

• Understand the principles of credit risk and lending
• Analyze borrower creditworthiness using financial and non-financial data
• Structure loans and credit facilities effectively
• Apply credit risk rating models and scoring techniques
• Monitor loan performance and identify early warning signals
• Manage non-performing loans (NPLs) and recovery strategies
• Optimize loan portfolio performance and diversification
• Ensure compliance with regulatory and internal credit policies

Benefits of the Course

Participants and organizations will gain:

• Improved Credit Decision-Making: Make sound and informed lending decisions
• Reduced Credit Losses: Identify and mitigate risks early
• Enhanced Portfolio Performance: Optimize risk-return balance
• Stronger Risk Management Frameworks: Align with global best practices
• Regulatory Compliance: Meet banking and financial reporting standards
• Better Loan Monitoring: Detect early warning signals effectively
• Increased Profitability: Improve loan portfolio quality and returns
• Professional Expertise: Build strong credit analysis and risk management skills

Course Booking

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