Credit Appraisal Techniques For Lending Institutions Training Course

Introduction

Empower financial professionals to make sound lending decisions and minimize risk with our comprehensive Credit Appraisal Techniques for Lending Institutions Training Course. This program equips you with the essential knowledge and skills to evaluate borrower creditworthiness, structure loans effectively, and assess potential risks. Mastering credit appraisal is increasingly vital for lending institutions seeking to maintain profitability, manage loan portfolios, and comply with regulatory requirements. Our loan credit analysis training course offers in-depth guidance and practical strategies for conducting thorough credit appraisals.

This Credit Appraisal Techniques for Lending Institutions training course delves into key areas such as loan structuring, borrower risk profiling, financial statement analysis, collateral valuation, and credit risk assessment. You will gain expertise in evaluating loan applications, structuring loan terms, and identifying potential risks associated with lending. Whether you are a loan officer, credit analyst, or risk manager, this Credit Appraisal Techniques for Lending Institutions course will provide you with the tools and knowledge to effectively assess credit risk and make informed lending decisions.

Target Audience:

• Loan Officers
• Credit Analysts
• Risk Managers
• Relationship Managers
• Commercial Lenders
• Mortgage Lenders
• Credit Underwriters

Course Objectives:

• Understand the principles of credit appraisal.
• Master loan structuring
• Perform borrower risk profiling.
• Conduct financial statement analysis.
• Perform collateral valuation.
• Assess credit risk.
• Evaluate loan applications.

Duration

5 Days

Course content

Module 1: Principles of Credit Appraisal

• Understanding the principles of credit appraisal.
• Exploring the importance of credit appraisal in lending.
• Understanding the legal and regulatory framework for lending.
• Identifying the key factors in assessing creditworthiness.
• Best practices for conducting thorough credit appraisals.

Module 2: Loan Structuring

• Mastering loan structuring
• Understanding different types of loans and their characteristics.
• Determining appropriate loan terms, interest rates, and repayment schedules.
• Structuring loans to mitigate risk and maximize profitability.
• Best practices for structuring various types of loans.

Module 3: Borrower Risk Profiling

• Performing borrower risk profiling.
• Understanding the components of borrower risk.
• Analyzing borrower financial history and credit reports.
• Evaluating borrower character, capacity, and capital.
• Best practices for assessing borrower creditworthiness.

Module 4: Financial Statement Analysis

• Conducting financial statement analysis.
• Understanding the key financial statements (balance sheet, income statement, cash flow statement).
• Analyzing financial ratios and trends.
• Evaluating borrower financial performance and stability.
• Best practices for interpreting financial statements in credit appraisal.

Module 5: Collateral Valuation

• Performing collateral valuation.
• Understanding the role of collateral in lending.
• Determining the value of various types of collateral.
• Assessing the adequacy and quality of collateral.
• Best practices for managing collateral in loan agreements.

Module 6: Credit Risk Assessment

• Assessing credit risk.
• Identifying potential sources of credit risk.
• Measuring and quantifying credit risk.
• Applying credit scoring models and risk rating systems.
• Best practices for managing and mitigating credit risk.

Training Approach

This course will be delivered by our skilled trainers who have vast knowledge and experience as expert professionals in the fields. The course is taught in English and through a mix of theory, practical activities, group discussion and case studies. Course manuals and additional training materials will be provided to the participants upon completion of the training.

Tailor-Made Course

This course can also be tailor-made to meet organization requirement. For further inquiries, please contact us on: Email: info@skillsforafrica.org, training@skillsforafrica.org  Tel: +254 702 249 449

Training Venue

The training will be held at our Skills for Africa Training Institute Training Centre. We also offer training for a group at requested location all over the world. The course fee covers the course tuition, training materials, two break refreshments, and buffet lunch.

Visa application, travel expenses, airport transfers, dinners, accommodation, insurance, and other personal expenses are catered by the participant

Certification

Participants will be issued with Skills for Africa Training Institute certificate upon completion of this course.

Airport Pickup and Accommodation

Airport pickup and accommodation is arranged upon request. For booking contact our Training Coordinator through Email: info@skillsforafrica.org, training@skillsforafrica.org  Tel: +254 702 249 449

Terms of Payment: Unless otherwise agreed between the two parties’ payment of the course fee should be done 7 working days before commencement of the training.