Optimize credit risk and debt management with this program on credit risk intelligence, debt management frameworks, and portfolio quality optimization. Participants will learn to assess borrower creditworthiness, manage loan portfolios, and implement recovery strategies. The curriculum covers credit scoring, risk‑based pricing, provisioning (expected credit loss), and portfolio analytics. Through case studies from banking and microfinance, attendees will develop the skills to balance risk and return. This program is essential for credit risk managers, loan officers, and portfolio analysts.
Objectives
- Develop credit risk assessment frameworks and scorecards
- Apply risk‑based pricing to align interest rates with risk
- Manage loan portfolios using concentration limits and diversification
- Implement expected credit loss (ECL) models under IFRS 9
- Monitor portfolio quality using early warning indicators
- Design debt management and recovery strategies
- Use credit analytics to identify trends and risks
- Ensure compliance with lending regulations
- Optimize risk‑adjusted return on capital
Target Audience
- Credit risk managers and analysts
- Loan officers and underwriters
- Portfolio managers in banking and microfinance
- Debt recovery specialists
- Risk and compliance officers
- Credit union and SACCO credit staff
Methodology
- Credit scoring workshop
- ECL modeling exercises
- Portfolio analytics labs
- Case study analyses of credit defaults
- Recovery strategy simulations
- Regulatory compliance sessions
- Peer sharing of credit risk practices
