Course Overview

The course will enable the participants to learn:
■    Understanding the basic principles of credit risk management
■    Performing financial, management and business environment analysis to make sound lending
■    accounting information for credit decisions
■    credit structuring, approvals and disbursement
■    credit review and management

Course Content

1.    Overview of The Credit Process
    ■    What is Credit?
    ■    Credit policy
    ■    The Credit Evaluation Process
    ■    Types of Businesses
    ■    Meaning of risk and default risk
    ■    Credit Analysis
            Principles of Lending
            Macroeconomic analysis
            Industry and Target Market Analyses
            Management
            SWOT
            Risk acceptance criteria
    ■    The Credit Cycle
    ■    Financing Principles        

2.    Accounting Information for Credit Analysis
    ■    Financial Statements
    ■    Internally Generated Information
    ■    Financial Ratios
    ■    Cash Flow Analysis
    ■    Forecasts and Projections
    
3.    Loan Structuring, Approvals, Disbursement and Documentation

4.    Credit Review & Monitoring

5.    CBN Directives and circulars

6.    Relationship Management

Duration: 3 Days

Target Audience:     Newly appointed Executives and other executives in credit areas (having less than 1 year experience in the credit areas) or someone who would be interested in building his / her career in lending units