This intensive three-day training program provides banking and financial professionals with a comprehensive understanding of credit risk assessment, loan structuring, and portfolio management. Participants will learn how to evaluate borrowers, mitigate risks, and comply with regulatory requirements to ensure sound lending practices. The course covers best practices in corporate credit analysis, SME and consumer lending, risk modeling, and Basel guidelines.
Target Audience:
- Credit Risk Analysts & Officers
- Loan & Mortgage Officers
- Banking & Financial Professionals
- Corporate & SME Lenders
- Risk Management Professionals
- Finance & Investment Analysts
- Treasury & Portfolio Managers
Training Methodology:
The training is highly interactive and delivered through:
- Instructor-led presentations and discussions
- Real-world case studies and risk simulations
- Group exercises and hands-on financial modeling
- Credit risk scoring & decision-making workshops
- Industry best practices and regulatory framework analysis
Course Objectives:
By the end of this training, participants will be able to:
- Understand the fundamentals of credit risk management and lending practices.
- Assess borrower creditworthiness using financial and non-financial indicators.
- Analyze corporate credit and SME lending risks.
- Apply credit risk modeling techniques for effective decision-making.
- Develop risk mitigation strategies and manage non-performing loans.
- Comply with Basel III and IFRS 9 regulations in credit risk management.
- Enhance loan structuring and pricing strategies to maximize profitability.
Target Competencies:
- Credit Risk Assessment
- Financial Statement Analysis
- Loan Structuring & Pricing
- Risk Mitigation Strategies
- Portfolio & Default Risk Management
- Regulatory Compliance & Reporting
- Decision-making in Lending
Location:
South AfricaTraining Dates:
Each course starts every Monday of each week. Please book your training on a date that is a Monday.Course Duration: 3 Days
Unit Standard: 7226
NQF Level: 5
Number of Credits: 15
Course Fees
Note: Please fill in the online application form on the left or bottom if this page to receive a quotation with detailed pricing from AATICD.How to Apply:
To Apply Simply Fill in the Online Enquiries / Applications form on the Right Sidebar or Bottom of this website https://www.aaticd.co.zaNB: Terms and Conditions for Payment and Refunds
1.1. Full payment for the training workshop must be made at least 5 days before the scheduled workshop date.
1.2. Payment can be made via bank transfer, credit card, or any other agreed-upon method.
1.3. A confirmation of payment will be issued upon receipt of funds.
1.4. Any form of Payment means that trainee / delegate / client receiving the training accepts the training and agrees to these terms and conditions.
2. Cancellation and Refund Policy
2.1. Cancellations made 30 days or more before the workshop date will be eligible for a full refund, minus any administrative fees.
2.2. Cancellations made 15 to 29 days before the workshop date will be eligible for a 50% refund of the total payment.
2.3. Cancellations made less than 14 days before the workshop date will not be eligible for a refund.
2.4. Participants who fail to attend the workshop without prior notice will not be eligible for a refund.
3. Rescheduling
3.1. If a participant wishes to reschedule, a request must be submitted at least 14 days in advance, subject to availability.
3.2. A rescheduling fee may apply.
4. Workshop Cancellation by the Organizer
4.1. AATICD reserves the right to cancel or reschedule the workshop due to unforeseen circumstances, including but not limited to low enrolment, trainer unavailability, or force majeure events.
4.2. In the event of cancellation by AATICD, participants will be offered a full refund or the option to attend a rescheduled session.
4.3. AATICD is not responsible for any additional costs incurred by participants, such as travel or accommodation expenses.
5. Refund Processing
5.1. Approved refunds will be processed within 7 business days from the date of cancellation approval.
5.2. Refunds will be issued using the original payment method unless otherwise agreed.
6. Contact Information
For any questions regarding payments and refunds, please contact us at:
Email: apply@aaticd.co.za
Phone: +27 73 016 5042
By registering for the workshop, participants agree to abide by these terms and conditions.
In-House Trainings are also available for 3 or more delegates for any duration. Please consult with our Administration for such In-House training bookings.
Course Outline
Day 1: Fundamentals of Credit Risk & Lending
- Overview of Credit Risk & Loan Management
- Types of Credit Risks: Corporate, SME & Retail
- The Lending Process & Loan Life Cycle
- Regulatory Frameworks (Basel III, IFRS 9)
Day 2: Creditworthiness Assessment & Risk Modeling
- Financial Statement Analysis for Credit Risk
- Key Ratios & Indicators for Loan Decisions
- Cash Flow Analysis & Debt Servicing Capacity
- Credit Scoring & Risk Rating Models
- Probability of Default & Loss Given Default (LGD)
- Risk-Based Loan Approval Processes
Day 3: Loan Structuring, Risk Mitigation & NPL Management
- Loan Structuring & Pricing Strategies
- Collateral Valuation & Risk Mitigation Strategies
- Early Warning Signs of Loan Defaults
- Collection & Recovery Strategies
- Loan Restructuring & Workout Strategies
- Legal & Compliance Considerations in NPL Management