Credit Risk and Loan Portfolio Management Training Course

The course starts with the fundamentals of credit assessment and financial statement analysis, before moving into credit scoring and decisioning frameworks. Participants then work through IFRS 9 provisioning and portfolio concentration risk in detail, followed by early warning systems and loan workout structuring. The course closes with collateral management and building an institutionwide credit risk governance framework.

The Credit Risk and Loan Portfolio Management Training Course is a five-day programme that builds practical, IFRS 9-aligned credit risk skills for banks, microfinance institutions and development lenders. Loan portfolio quality remains one of the strongest predictors of an African bank's long-term profitability and stability, yet credit risk practices vary widely across institutions. Participants leave able to assess borrower creditworthiness, calculate expected credit loss provisions, manage portfolio concentration risk and structure effective loan workout plans.

Rising interest rates and currency volatility across African markets have put loan portfolios under renewed pressure, and regulators are paying closer attention to how banks apply IFRS 9 provisioning in practice. Lenders that combine sound credit judgement with disciplined, defensible provisioning are better placed to protect profitability through the credit cycle.

• Apply the five Cs of credit to lending decisions
• Assess borrower creditworthiness using financial statement and cash flow analysis
• Evaluate credit scoring models and their application in lending decisions
• Apply IFRS 9 expected credit loss provisioning to loan portfolios
• Design loan portfolio diversification strategies to manage concentration risk
• Identify early warning indicators of loan deterioration
• Structure workout and restructuring plans for distressed loans
• Evaluate collateral valuation and security perfection practices
• Design a credit risk management framework aligned with regulatory expectations

This programme is designed for:

• Credit officers and relationship managers
• Risk managers and loan portfolio managers
• Bank branch and regional managers
• Microfinance institution staff
• Credit committee members
• Internal auditors covering credit risk
• Development finance institution investment officers

The course combines structured teaching with hands-on credit analysis exercises, including assessing a borrower's creditworthiness from real financial statements, calculating IFRS 9 provisions for a sample portfolio, and structuring a workout plan for a distressed loan, worked through individually and reviewed in facilitated discussion.

Upon completing this programme, participating organisations will be better equipped to:

• Reduce loan losses through stronger credit assessment practices
• Improve the accuracy and defensibility of IFRS 9 loan loss provisioning
• Reduce non-performing loans through earlier identification of credit deterioration
• Improve portfolio resilience through effective diversification and concentration risk management
• Strengthen compliance with regulatory credit risk management requirements
• Improve collateral management practices to maximise recovery outcomes
• Enhance overall asset quality and profitability
• Build internal capability to manage credit risk without excessive reliance on external consultants
• Strengthen investor and credit rating agency confidence in the institution's risk management practices

Upon completing this programme, participants will be able to:

• Apply practical credit assessment skills in lending and risk management roles
• Make and defend sound credit decisions with confidence
• Calculate and explain IFRS 9 expected credit loss provisions to auditors and regulators
• Contribute effectively to credit committee decision-making
• Structure loan workout and recovery plans for distressed borrowers
• Enhance career opportunities across credit, risk and portfolio management
• Identify early warning signs of credit deterioration
• Apply financial statement analysis skills across a range of financial decision-making contexts
• Present portfolio risk assessments confidently to senior management and boards

At Strategic Revenue Africa, our certification goes beyond proof of attendance—it represents practical competence and measurable capability. Upon successful completion of our training programs, participants are awarded a Certificate of Completion from Strategic Revenue Africa, recognizing their ability to apply acquired knowledge in real-world settings. As an organization focused on architecting sustainable revenue and strengthening organizational performance, our certifications signal that participants are equipped with skills that drive results, not just theory.

No prior credit risk qualification is required. Participants should have a working familiarity with lending, whether in a credit, branch, risk or audit role, as the course builds directly on practical lending experience.