Course Details

Credit Management & Loan Appraisal Training: Mitigating Risk and Maximizing Loan Portfolio Performance

INTRODUCTION

Effective credit management and loan appraisal are crucial for the financial health and sustainability of any lending institution. This Credit Management & Loan Appraisal training course equips credit professionals with the knowledge and skills to assess creditworthiness, manage loan portfolios, and minimize loan defaults. Learn how to analyze financial statements, evaluate borrower capacity, implement sound loan policies, and recover delinquent loans. This loan management training is essential for professionals seeking to optimize their lending practices and maximize loan portfolio performance. This course covers key areas like credit risk assessment, loan structuring, loan monitoring, and recovery strategies, empowering you to become a skilled credit manager.

DURATION

5 days

TARGET AUDIENCE

This course is designed for:

• Loan Officers: Individuals directly involved in loan origination and appraisal.
• Credit Managers: Individuals responsible for overseeing the credit function and managing loan portfolios.
• Branch Managers: Individuals responsible for the overall performance of a branch, including loan portfolio health.
• Credit Committee Members: Individuals involved in loan approval decisions.
• Anyone seeking to improve their credit management and loan appraisal skills: Professionals and individuals committed to responsible lending practices.

COURSE OBJECTIVES

Upon completion of this course, participants will be able to:

• Understand the principles of credit management and loan appraisal.
• Assess borrower creditworthiness using various analytical tools and techniques.
• Structure loan terms and conditions to mitigate risk.
• Implement sound loan policies and procedures.
• Monitor loan performance and identify potential problems early.
• Develop effective loan recovery strategies.
• Understand the legal and regulatory framework governing lending.
• Utilize credit scoring and other technology tools in credit management.

COURSE MODULES

• Introduction to Credit Management and Loan Appraisal:
• The importance of credit management for financial institutions.
• The loan appraisal process and its key steps.
• Different types of loans and their associated risks.
• Legal and ethical considerations in lending.
• Credit Risk Assessment:
• Analyzing borrower financial statements (balance sheet, income statement, cash flow statement).
• Evaluating borrower capacity to repay (income, expenses, debt service coverage ratio).
• Assessing borrower character and willingness to repay.
• Utilizing credit scoring models and credit reports.
• Loan Structuring and Pricing:
• Determining appropriate loan terms and conditions (loan amount, interest rate, repayment schedule).
• Collateral requirements and valuation.
• Loan pricing and profitability analysis.
• Matching loan structure to borrower needs and risk profile.
• Loan Policies and Procedures:
• Developing and implementing comprehensive loan policies.
• Establishing clear loan approval processes and authority levels.
• Documentation requirements and record keeping.
• Compliance with lending regulations and guidelines.
• Loan Monitoring and Management:
• Tracking loan performance and identifying early warning signs of delinquency.
• Monitoring loan covenants and compliance.
• Reporting on loan portfolio health and performance.
• Utilizing loan management software and technology.
• Loan Recovery and Workout Strategies:
• Developing strategies for managing delinquent loans.
• Negotiating with borrowers and restructuring loans.
• Legal and regulatory aspects of loan recovery.
• Minimizing loan losses and maximizing recoveries.
• Legal and Regulatory Framework for Lending:
• Understanding relevant lending laws and regulations.
• Compliance with consumer protection laws.
• Anti-money laundering (AML) and Know Your Customer (KYC) requirements.
• Reporting obligations and regulatory oversight.
• Advanced Topics in Credit Management:
• Credit scoring and predictive modeling.
• Portfolio management and diversification.
• Risk-based pricing and loan loss provisioning.
• Utilizing technology in credit management and loan appraisal.

CERTIFICATION

Upon successful completion of this training, participants will be issued with a 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 and 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