Shielding the Portfolio: A Training Course on Leveraging Insurance Products to Mitigate Lending Risk
Introduction
The foundation of a robust lending portfolio is the ability to manage and mitigate risk effectively. While traditional risk assessment methods focus on a borrower's creditworthiness and financial history, external factors—from unexpected life events to catastrophic natural disasters—can introduce significant and often unmanageable risks to both the borrower and the financial institution. Unforeseen circumstances, such as a borrower's death, disability, or property damage, can lead to loan default, causing financial losses and disrupting the stability of the entire lending operation. A forward-thinking and comprehensive risk management strategy must therefore extend beyond a borrower's financial profile.
This five-day training course is designed to equip lending professionals with the knowledge and tools to integrate various insurance products into their lending strategy, creating a more secure and resilient portfolio. The curriculum will explore how to use insurance as a powerful risk mitigation tool, covering everything from collateral protection to loan repayment security. Participants will learn how different insurance products can protect against a variety of risks, ensuring the stability of their assets and the financial well-being of their members. By the end of this course, you will be able to structure loans with enhanced protection and peace of mind.
Duration 5 days
Target Audience This course is for all lending professionals, including loan officers, credit managers, risk analysts, and portfolio managers.
Objectives
- To understand the primary risks in a lending portfolio.
- To recognize how insurance products can serve as a risk mitigation tool.
- To learn about the various types of insurance relevant to lending.
- To implement collateral protection insurance programs.
- To understand the benefits of loan protection and credit life insurance.
- To master the process of integrating insurance into the loan application and approval process.
- To develop a comprehensive strategy for managing insured loans.
- To learn about the regulatory and compliance aspects of offering insurance.
- To educate members on the importance and value of insurance.
- To master the art of selecting the right insurance partners.
Course Modules
Module 1: Foundations of Lending Risk
- The types of risk in a lending portfolio (e.g., credit, operational, market).
- The impact of unforeseen events on loan repayment.
- The role of collateral in mitigating risk.
- Common causes of loan default.
- The financial and reputational costs of a risky portfolio.
Module 2: Insurance as a Risk Mitigation Tool
- The principle of indemnity and its application to lending.
- How insurance transfers risk from the lender to a third party.
- The difference between a policyholder and a beneficiary.
- The value proposition of insurance to both the lender and the borrower.
- The basics of insurance policy structure.
Module 3: Collateral Protection Insurance (CPI)
- The purpose and benefits of CPI.
- How CPI protects against physical damage or loss of collateral.
- The process of tracking collateral insurance.
- The role of CPI in managing an uninsured portfolio.
- Best practices for managing a CPI program.
Module 4: Loan Protection and Repayment Insurance
- The purpose of loan protection insurance (e.g., against disability, unemployment).
- How credit life insurance protects a loan in the event of death.
- The benefits of offering these products to borrowers.
- The legal and ethical considerations of offering these policies.
- How to integrate these products into the loan origination process.
Module 5: Mortgage and Property-Related Insurance
- The importance of homeowner's and property insurance for real estate loans.
- The difference between private mortgage insurance (PMI) and other policies.
- How flood, fire, and other hazard insurance policies protect the collateral.
- The process of ensuring a borrower maintains adequate coverage.
- The role of an escrow account in managing these policies.
Module 6: Business and Commercial Lending Insurance
- The importance of key person insurance for business loans.
- How business interruption insurance protects a company's ability to repay.
- The role of liability and professional indemnity insurance.
- How to assess a business's insurance coverage as part of the underwriting process.
- The value of a comprehensive insurance package for a business borrower.
Module 7: Integrating Insurance into the Lending Process
- How to discuss insurance options with a borrower.
- The steps for verifying insurance coverage.
- The importance of clear documentation and record-keeping.
- The role of technology in managing an insured portfolio.
- How to use insurance to enhance a borrower's financial profile.
Module 8: Claims, Compliance, and Underwriting
- The process of a claim payout and how it impacts the loan.
- Regulatory requirements for offering insurance products.
- The role of an insurance underwriter.
- The importance of a clear and transparent claims process.
- The legal and ethical responsibilities of the lender.
Module 9: Member Education and Communication
- The importance of educating members on the value of insurance.
- How to explain the different types of policies in simple terms.
- The importance of transparency and informed consent.
- The role of a dedicated insurance specialist.
- How to handle member questions about insurance coverage.
Module 10: Partnerships and Portfolio Management
- The process of selecting an insurance partner.
- The importance of due diligence on a third-party provider.
- How to manage and monitor a portfolio with insured loans.
- The role of a portfolio manager in using insurance to reduce risk.
- The long-term strategic value of integrating insurance into the lending model.
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
Shielding The Portfolio: A Training Course On Leveraging Insurance Products To Mitigate Lending Risk in Comoros
| Dates | Fees | Location | Action |
|---|---|---|---|
| 13/10/2025 - 17/10/2025 | $1,750 | Mombasa |
|
| 20/10/2025 - 24/10/2025 | $1,500 | Nairobi |
|
| 27/10/2025 - 31/10/2025 | $1,500 | Nairobi |
|
| 03/11/2025 - 07/11/2025 | $1,750 | Mombasa |
|
| 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 |
|
| 19/01/2026 - 17/10/2025 | $1,500 | Nairobi |
|
| 09/02/2026 - 13/02/2026 | $4,000 | Pretoria |
|
| 16/02/2026 - 20/02/2026 | $1,500 | Nairobi |
|
| 02/03/2026 - 06/03/2026 | $1,750 | Mombasa |
|
| 16/03/2026 - 20/03/2026 | $1,500 | Nairobi |
|
| 23/03/2026 - 27/03/2026 | $1,500 | Nairobi |
|
| 06/04/2026 - 10/04/2026 | $4,950 | Dubai |
|
| 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 |
|
| 18/05/2026 - 22/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
|
| 08/06/2026 - 12/06/2026 | $1,500 | Nairobi |
|
| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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