Loan Rehabilitation & Recovery: Strategic Non-Performing Loan Management for SACCOs Training Course
Introduction
Non-Performing Loans (NPLs) pose a significant threat to the financial health and sustainability of any SACCO. Effective management of NPLs is not just about collection; it's a strategic function that protects member assets, preserves a healthy loan portfolio, and maintains the integrity of the cooperative. This specialized training is designed to equip credit professionals and leaders with the advanced skills and strategic mindset needed to proactively identify, manage, and resolve non-performing loans, transforming a potential loss into an opportunity for recovery.
This intensive program provides a comprehensive framework for the entire NPL lifecycle, from early intervention to legal resolution. Participants will gain practical expertise in data analysis, borrower communication, loan restructuring, and legal procedures. By implementing these strategic approaches, SACCOs can minimize loan losses, improve asset quality, and ensure the long-term profitability of their lending operations. This course is essential for any SACCO committed to building a resilient and well-managed loan portfolio.
Duration 5 days
Target Audience This course is for SACCO credit officers, loan managers, risk managers, collections staff, legal officers, and board members responsible for loan portfolio oversight and risk management.
Objectives
- To understand the causes, classification, and financial impact of NPLs.
- To master a proactive and systematic approach to NPL management.
- To develop and implement an effective early warning system for loan distress.
- To apply advanced communication and negotiation skills in managing delinquent accounts.
- To design and execute successful loan restructuring and rehabilitation plans.
- To understand the legal and regulatory framework for loan recovery and debt collection.
- To leverage technology and data analytics for more efficient NPL management.
- To develop a comprehensive policy manual for NPL management and control.
- To analyze NPL trends to inform future lending and policy decisions.
- To create a culture focused on loan rehabilitation and sustainable recovery.
Course Modules
Module 1: The Anatomy of an NPL
- Defining Non-Performing Loans and their classification criteria.
- The financial and operational impact of a high NPL ratio.
- The internal and external factors contributing to loan default.
- The importance of timely recognition and reporting of NPLs.
- Case studies on how NPLs have affected SACCOs.
Module 2: Early Intervention & Prevention
- The role of rigorous underwriting in NPL prevention.
- Establishing an early warning system using financial and behavioral data.
- Proactive communication strategies for loans showing signs of distress.
- The importance of a clear and transparent loan agreement.
- Best practices for post-disbursement monitoring.
Module 3: Strategic Delinquency Management
- The tiered approach to managing delinquent accounts.
- Advanced communication and negotiation techniques.
- The art of active listening and problem-solving with borrowers.
- Developing a structured and consistent collections workflow.
- The ethical and empathetic approach to debt collection.
Module 4: Loan Restructuring & Rehabilitation
- When to consider loan restructuring as a viable solution.
- The types of loan modifications: extension, interest-only payments, and principal deferment.
- The process for assessing a borrower's eligibility for rehabilitation.
- Drafting a rehabilitation agreement with clear, realistic terms.
- The role of financial counseling for members in distress.
Module 5: Legal Framework & Recovery
- Understanding the legal basis for loan recovery.
- The legal process for sending demand notices and enforcing security.
- The role of legal counsel in NPL management.
- Strategies for asset seizure and disposal.
- Navigating the court system and legal documentation.
Module 6: NPL Data & Analytics
- Collecting and analyzing data on NPL trends and borrower demographics.
- Using data to identify the riskiest loan products and segments.
- The importance of an NPL dashboard for real-time monitoring.
- Leveraging technology for automated reports and alerts.
- The use of predictive analytics to forecast future NPLs.
Module 7: Policy & Governance
- The board's role in approving the NPL management policy.
- Essential components of a comprehensive NPL policy manual.
- Defining clear roles and responsibilities for the NPL management team.
- The importance of regular policy review and revision.
- Aligning NPL policies with the SACCO's overall risk appetite.
Module 8: The Role of the Collections Team
- Building and motivating a high-performing collections team.
- Training collections staff on communication and negotiation skills.
- Establishing performance metrics and incentives for the team.
- The importance of a supportive and non-punitive work environment.
- Managing burnout and stress in collections professionals.
Module 9: Strategic Portfolio Analysis
- Segmenting the loan portfolio for targeted NPL management.
- Analyzing the concentration risk within different loan products.
- The impact of NPLs on the SACCO's capital adequacy.
- Using NPL data to inform future lending policies.
- The link between NPL management and overall profitability.
Module 10: Capstone Project: A Portfolio Recovery Plan
- Participants will work in teams to analyze a sample portfolio of NPLs.
- They will develop a comprehensive strategy for loan rehabilitation and recovery for each account.
- Teams will present their plan to a mock "Collections Committee" and defend their recommendations.
- This module provides a hands-on opportunity to apply the concepts from all modules.
- The project prepares participants to implement a robust NPL 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
Loan Rehabilitation & Recovery: Strategic Non-performing Loan Management For Saccos Training Course in Spain
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
|
| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
|
| 27/10/2025 - 31/10/2025 | $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 | $1,500 | Nairobi |
|
| 12/01/2026 - 16/01/2026 | $1,750 | Mombasa |
|
| 26/01/2026 - 30/01/2026 | $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 |
|
| 16/03/2026 - 20/03/2026 | $1,500 | Nairobi |
|
| 06/04/2026 - 10/04/2026 | $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 | $4,000 | Dubai |
|
| 11/05/2026 - 15/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
|
| 15/06/2026 - 19/06/2026 | $1,500 | Nairobi |
|
| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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