Strategic Lending: Mastering Risk-Based Models for SACCOs Training Course

Introduction

For any lending institution, moving beyond traditional, one-size-fits-all lending practices is essential for sustained growth and financial health. Risk-based lending represents a strategic shift that allows SACCOs to better align interest rates, loan terms, and collateral requirements with the unique risk profile of each borrower. This approach not only protects the SACCO from potential defaults but also enables it to serve a wider range of members responsibly, fostering both financial inclusion and institutional resilience.

This five-day training course provides an immersive experience into the world of risk-based lending models. Through a blend of theoretical knowledge and practical application, participants will learn how to accurately assess credit risk, build dynamic scoring models, and price loans in a way that reflects true risk exposure. By the end of this program, your team will be equipped to implement a sophisticated lending framework that minimizes losses while maximizing profitability, ensuring the SACCO's competitive advantage in a complex market.

Duration 5 days

Target Audience This course is for credit managers, loan officers, risk analysts, data analysts, and senior management involved in loan portfolio management.

Objectives

  • To understand the principles of risk-based lending.
  • To identify and quantify different types of credit risk.
  • To develop and use credit scoring models.
  • To learn how to apply risk-based pricing to loans.
  • To master the use of data for accurate risk assessment.
  • To implement a technology-enabled risk management system.
  • To understand the regulatory and compliance aspects of risk-based lending.
  • To create a robust loan approval and monitoring framework.
  • To analyze and manage the overall credit portfolio risk.
  • To develop a strategic plan for long-term lending growth.

Course Modules

Module 1: Fundamentals of Risk-Based Lending

  • The difference between traditional and risk-based lending.
  • The benefits of a risk-based approach.
  • Key concepts: probability of default (PD), loss given default (LGD), and exposure at default (EAD).
  • The link between risk and profitability.
  • The ethical considerations of risk-based pricing.

Module 2: Credit Risk Assessment

  • Qualitative vs. quantitative risk factors.
  • The "5 Cs" of credit: Character, Capacity, Capital, Collateral, and Conditions.
  • Analyzing financial statements and cash flow.
  • Evaluating a borrower's credit history and behavior.
  • Identifying and interpreting credit report data.

Module 3: Building and Validating Credit Scoring Models

  • An introduction to statistical models for credit scoring.
  • Using historical data to build a predictive model.
  • The process of model validation and back-testing.
  • Common pitfalls and challenges in model development.
  • The role of expert judgment alongside the model.

Module 4: Data-Driven Decision Making

  • The importance of clean and reliable data.
  • Sourcing data for credit analysis.
  • The use of data visualization to spot trends.
  • The role of technology in automating data collection.
  • Ensuring data privacy and security.

Module 5: Risk-Based Pricing

  • How to calculate a risk-adjusted interest rate.
  • Factoring in operational costs and desired profit margins.
  • The impact of collateral on pricing.
  • Pricing for different loan products (e.g., personal loans, business loans).
  • Communicating risk-based pricing to members.

Module 6: Implementation of a Risk Framework

  • The steps to roll out a new risk-based lending model.
  • Training staff on the new framework.
  • Integrating the model into the loan origination system.
  • Creating a policy and procedure manual.
  • Monitoring the framework's effectiveness.

Module 7: Technology for Risk Management

  • An overview of credit risk software solutions.
  • Using dashboards for real-time risk monitoring.
  • The benefits of a centralized loan management system.
  • Integrating with credit bureaus and other data sources.
  • Future trends in lending technology (e.g., AI and machine learning).

Module 8: Portfolio Management

  • The concept of portfolio diversification.
  • Measuring and monitoring portfolio performance.
  • Identifying concentrations of risk.
  • Using stress testing to assess portfolio resilience.
  • Strategies for managing non-performing loans.

Module 9: Regulatory Compliance

  • The legal and regulatory landscape for risk-based lending.
  • Ensuring fairness and non-discriminatory practices.
  • Documentation requirements for internal and external audits.
  • The role of a risk and compliance committee.
  • Adapting to changing regulations.

Module 10: Strategic Growth

  • How risk-based lending enables responsible growth.
  • Using the model to develop new products.
  • Attracting and retaining members through fair pricing.
  • The role of risk culture in a SACCO's long-term success.
  • Developing a strategic roadmap for the lending department.

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                                 

 

Strategic Lending: Mastering Risk-based Models For Saccos Training Course in Saint Lucia
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