Securing Assets: Collateral Valuation & Verification for SACCO Loans Training Course
Introduction
Collateral is a critical safeguard for SACCOs, mitigating risk and providing a secondary source of loan repayment. However, its true value lies in accurate and consistent valuation and verification. This specialized training is designed to equip credit professionals and leaders with the essential skills to assess, value, and verify collateral effectively, ensuring that every loan is underpinned by a secure and reliable asset. By mastering these techniques, SACCOs can protect their portfolio, enhance their lending confidence, and ensure the long-term security of their members' funds.
This intensive program offers a deep dive into the practical and legal aspects of collateral management. From a hands-on approach to valuing different asset classes to understanding the intricacies of perfecting security interests and maintaining accurate documentation, participants will gain the expertise to strengthen their lending processes. This is a vital course for any SACCO committed to responsible lending, robust risk management, and the preservation of its financial health.
Duration 5 days
Target Audience This course is for SACCO credit officers, loan managers, credit committee members, legal officers, and board members involved in credit assessment and risk oversight.
Objectives
- To understand the fundamental role of collateral in a SACCO's lending strategy.
- To master the principles and methods of valuing different types of collateral.
- To develop and implement a robust process for verifying asset ownership and condition.
- To understand the legal framework for perfecting and releasing security interests.
- To identify and mitigate the risks associated with collateral-based lending.
- To create a comprehensive policy manual for collateral management.
- To effectively communicate the importance of collateral to borrowers.
- To leverage technology for efficient collateral tracking and management.
- To analyze and report on the SACCO’s overall collateral portfolio.
- To champion a culture of meticulous and disciplined collateral practice.
Course Modules
Module 1: The Role of Collateral in Lending
- The purpose and benefits of collateral as a secondary source of repayment.
- The difference between tangible and intangible collateral.
- The risks of over-reliance on collateral.
- The relationship between collateral value and loan amount.
- Case studies on how proper collateral has saved a SACCO from loss.
Module 2: Collateral Valuation Methods
- The three common approaches to valuation: cost, market, and income.
- Hands-on practice in valuing real estate and land.
- Valuing movable assets: vehicles, machinery, and equipment.
- The unique challenges of valuing livestock and agricultural produce.
- Using professional appraisers and valuation services.
Module 3: Verification & Due Diligence
- The process of verifying ownership and legal status of collateral.
- Reviewing legal documents: title deeds, logbooks, and registration certificates.
- Conducting physical inspections and confirming asset condition.
- The importance of a lien search to check for prior claims.
- Best practices for maintaining a comprehensive collateral file.
Module 4: Legal Framework & Documentation
- Understanding the legal basis for a SACCO's security interest.
- The process of perfecting a security interest through legal registration.
- The role of loan agreements and security agreements.
- Documenting the collateral from the moment of loan origination to full repayment.
- The legal process for seizing and disposing of collateral upon default.
Module 5: Collateral-Based Risk Management
- Identifying risks such as valuation risk, legal risk, and market risk.
- The role of insurance in mitigating collateral risk.
- Strategies for managing a diverse collateral portfolio.
- How to handle assets that depreciate over time.
- The importance of a clear and consistent collateral policy.
Module 6: Policy & Governance
- The board's role in approving the collateral management policy.
- Essential components of a comprehensive policy manual.
- Defining clear responsibilities for collateral valuation and verification.
- The importance of regular policy review and revision.
- Aligning collateral policy with the SACCO's overall risk appetite.
Module 7: Technology in Collateral Management
- Leveraging a loan management system to track collateral.
- The use of digital tools for asset tagging and geo-location.
- Implementing a dashboard for real-time collateral reporting.
- How technology can streamline the verification workflow.
- Future trends in blockchain and other technologies for asset tracking.
Module 8: Member Communication
- The importance of transparently explaining the role of collateral to borrowers.
- Educating members on the legal process and their rights.
- Strategies for communicating the value of the collateral to the member.
- Handling member questions and disputes regarding collateral.
- Building member trust through a fair and consistent process.
Module 9: The Collateral Audit
- The purpose and scope of a collateral audit.
- The role of the internal audit team and external auditors.
- Identifying and addressing gaps in collateral documentation.
- The importance of a regular, surprise audit.
- Developing a corrective action plan based on audit findings.
Module 10: Capstone Project: A Collateral Audit Simulation
- Participants will work in teams to conduct a full audit of a sample loan portfolio's collateral.
- They will review loan files, verify documentation, and propose a corrective action plan.
- Teams will present their findings and recommendations to a mock "Credit Committee."
- The module provides a hands-on opportunity to apply the concepts from all modules.
- This project prepares participants to implement a robust collateral management plan in their own SACCO.
CERTIFICATION
- Upon successful completion of this training, participants will be issued with Macskills Training and Development Institute Certificate
TRAINING VENUE
- Training will be held at Macskills Training Centre. We also tailor make the training upon request at different locations across the world.
AIRPORT PICK UP AND ACCOMMODATION
- Airport Pick Up is provided by the institute. Accommodation is arranged upon request
TERMS OF PAYMENT
Payment should be made to Macskills Development Institute bank account before the start of the training and receipts sent to info@macskillsdevelopment.com
For More Details call: +254-114-087-180
Securing Assets: Collateral Valuation & Verification For Sacco Loans Training Course in Benin
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
|
| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
|
| 03/11/2025 - 07/11/2025 | $2,900 | Kigali |
|
| 10/11/2025 - 14/11/2025 | $1,500 | Nairobi |
|
| 24/11/2025 - 28/11/2025 | $1,500 | Nairobi |
|
| 01/12/2025 - 05/12/2025 | $1,500 | Nairobi |
|
| 08/12/2025 - 12/12/2025 | $1,750 | Mombasa |
|
| 05/01/2026 - 09/01/2026 | $1,750 | Mombasa |
|
| 12/01/2026 - 16/01/2026 | $1,500 | Nairobi |
|
| 26/01/2026 - 30/01/2026 | $1,500 | Nairobi |
|
| 02/02/2026 - 06/02/2026 | $4,000 | Pretoria |
|
| 16/02/2026 - 20/02/2026 | $1,500 | Nairobi |
|
| 23/02/2026 - 27/02/2026 | $1,500 | Nairobi |
|
| 02/03/2026 - 06/03/2026 | $1,750 | Mombasa |
|
| 09/03/2026 - 13/03/2026 | $1,500 | Nairobi |
|
| 23/03/2026 - 27/03/2026 | $1,500 | Nairobi |
|
| 13/04/2026 - 17/04/2026 | $2,900 | Kigali |
|
| 13/04/2026 - 17/04/2026 | $1,500 | Nairobi |
|
| 20/04/2026 - 24/04/2026 | $1,500 | Nairobi |
|
| 04/05/2026 - 08/05/2026 | $1,750 | Mombasa |
|
| 11/05/2026 - 15/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $4,950 | Dubai |
|
| 08/06/2026 - 12/06/2026 | $1,500 | Nairobi |
|
| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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