Credit Management Legal Requirements in South Africa Training

Learning Outcomes

• Apply the key provisions of the National Credit Act (NCA) and related regulations in credit management processes.
• Analyze the legal requirements for credit agreements, including pre-agreement disclosures and affordability assessments.
• Evaluate the implications of over-indebtedness and the debt review process under the NCA.
• Implement compliant debt collection practices in line with the Debt Collectors Act and Consumer Protection Act.
• Demonstrate the ability to manage credit risk while adhering to legal and ethical standards.
• Assess the consequences of non-compliance with credit legislation for both consumers and credit providers.

Target Audience

This course is designed for credit managers, financial controllers, debt collectors, and any professionals involved in granting credit or managing debt recovery within South African organizations.

Prerequisites

None — open enrollment.

Course Outline

Practicals

Overview

Practical sessions enable learners to apply credit legislation to simulated scenarios, including credit application assessment, drafting compliant agreements, and handling default procedures. These hands-on activities reinforce legal knowledge and develop skills for real-world credit management.

Practical Activities

• Credit Application Assessment — Learners evaluate sample credit applications, perform affordability assessments, and determine compliance with NCA requirements. (2h)
• Drafting a Compliant Credit Agreement — Participants draft a credit agreement based on a given scenario, ensuring all mandatory terms and disclosures are included as per the NCA. (2h)
• Default Handling and Enforcement Simulation — Learners role-play default scenarios, issue default notices, and outline lawful repossession or debt enforcement steps. (2h)

Summatives

Each delegate is assessed continuously throughout the course via daily exercises, scored practical assignments, and a final summative test at the end.

Practical Assignments — 30%

Practical assignments are observed and scored against a rubric during the practical sessions. Each delegate's practical mark is averaged into a single 100% score and contributes 30% to the final total.

Daily Exercises — 20%

Every training day ends with a multiple-choice exercise scored out of 100%. The scores from each daily exercise are averaged across the duration of the course to produce a Daily Average mark, which contributes 20% to the final total.

Final Test — 50%

On the last day a final summative test is written. It is a multiple-choice paper with multiple-answer questions: each question may have more than one correct option, and a single wrong selection on a question marks the entire question wrong — no partial credit. The final test is scored out of 100% and contributes 50% to the overall mark.

Final Total

Component	Out of	Weight
Practical Assignments (rubric-scored)	100%	30%
Daily Average (multiple choice)	100%	20%
Final Test (multi-answer multiple choice)	100%	50%
Final Total	—	100%

All marks are recorded on the AATICD LMS and visible to each learner under their account.

Certificate

How it works

• Certificates are auto-generated on the AATICD LMS as soon as the marks pass the 50% threshold.
• Each certificate is a branded PDF with the delegate's name, the course title, the unit standard ID, NQF level, credits, and the date of issue.
• You can download or print your certificate from your LMS dashboard at any time after issue — there's no reissue fee and no expiry date.
• If you scored under 50% you can sit the final test again at the next scheduled session at no extra cost.

Where to find it

Sign in to the LMS, open your dashboard, and your certificates appear under My Certificates. Each entry has a View / Download button and a print option.

Training Discounts

Group discounts apply automatically — the more delegates you enrol, the greater the saving. Discounts are calculated at 3% per 5 delegates, scaling up to 40% off for 100+ delegates.

Delegates	Discount
5	3% off
10	6% off
15	9% off
20	12% off
25	15% off
30	18% off
50	30% off
75	35% off
100	40% off

3% discount per 5 delegates, up to 40% off for 100+ delegates. Contact us for a custom group quote.