Finance and TreasuryCredit Risk Assessment, Modelling and Management
This course runs from the assessment of a single borrower through to the management of a portfolio. Delegates work through financial statement analysis and the qualitative assessment that surrounds it, credit structuring and the covenants and security that make a marginal exposure acceptable, and scoring and rating model construction. Portfolio management covers concentration, correlation and the limit framework, alongside pricing for risk so that a loan earns what its risk costs. The course closes on early warning, problem loan management and recovery, and is grounded in African lending conditions where financial information is often limited and security is frequently difficult to realise.
Course objectives
- Assess a borrower through financial statement analysis and qualitative factors
- Structure credit using covenants, security and repayment terms
- Build and calibrate scoring and rating models
- Manage concentration, correlation and limits across a portfolio
- Price a facility so it earns what its risk costs
- Identify early warning signs and manage a problem loan
- Assess recovery where security is difficult to realise
Who should attend
- Credit analysts and credit managers
- Relationship and lending officers
- Risk modelling professionals
- Internal auditors and credit reviewers
- Regulators and supervisors
Course outline
- 01Borrower assessment: financial statements and qualitative factors
- 02Lending where financial information is limited
- 03Credit structuring, covenants and security
- 04Scoring and rating model construction
- 05Model calibration and validation
- 06Portfolio concentration, correlation and limits
- 07Risk based pricing
- 08Early warning, problem loans and recovery
Scheduled sessions
| Dates | Venue | Format | Price | Register |
|---|---|---|---|---|
| 1 to 5 October 2026 | Windhoek, Namibia | Classroom | R11,995 per delegate | Register Now |
| 28 October to 1 November 2026 | Pretoria, South Africa | Classroom | R11,995 per delegate | Register Now |
| 18 to 22 November 2026 | Lagos, Nigeria | Classroom | R11,995 per delegate | Register Now |
| 3 to 7 December 2026 | Windhoek, Namibia | Classroom | R11,995 per delegate | Register Now |
| 5 to 9 December 2026 | Durban, South Africa | Classroom | R11,995 per delegate | Register Now |