Credit Risk Analysis & Lending Decisions

Effective credit decisions are essential to maintaining a healthy loan portfolio and minimizing financial losses. Whether assessing corporate borrowers, SMEs, or individual customers, lenders must evaluate creditworthiness, understand business risks, and make lending decisions based on sound financial analysis rather than assumptions. This practical programme equips participants with the knowledge and tools to assess credit risk, analyze borrowers' financial strength, evaluate repayment capacity, and structure appropriate lending decisions. Through practical case studies and real-world lending scenarios, participants will develop a structured approach to credit assessment that supports prudent lending and effective risk management.