Architecting Financial Health: Crafting & Implementing a Credit Control Policy Training Course

Introduction

A robust credit control policy is the cornerstone of a healthy and sustainable financial institution. It is the framework that guides all lending and collections activities, ensuring consistency, minimizing risk, and protecting the financial stability of the SACCO. This training course is not just about writing a document; it is about strategically designing a system that proactively manages credit risk from the initial loan application to final repayment.

This five-day program will provide participants with the knowledge and tools to develop, implement, and maintain an effective credit control policy. From defining credit risk appetite to establishing clear collection procedures and reporting mechanisms, attendees will gain a holistic understanding of how a well-structured policy can safeguard assets, enhance operational efficiency, and ultimately, foster responsible lending practices.

Duration 5 days

Target Audience This course is intended for credit managers, risk officers, compliance officers, finance directors, and senior management involved in the design and oversight of lending and collections policies.

Objectives

  • To understand the strategic importance of a comprehensive credit control policy.
  • To identify and define the SACCO's credit risk appetite.
  • To develop clear and consistent lending criteria.
  • To establish a robust process for account monitoring and review.
  • To design an effective and ethical collections procedure.
  • To implement a system for credit policy compliance and enforcement.
  • To create a framework for reporting and analyzing credit performance.
  • To understand the role of technology in automating credit control.
  • To learn how to regularly review and update the credit policy.
  • To gain practical skills in drafting a formal credit control policy document.

Course Modules

Module 1: The Foundations of Credit Control

  • The purpose and benefits of a credit control policy.
  • Key components of a comprehensive policy.
  • The relationship between credit policy and overall business strategy.
  • Identifying and mitigating credit risks.
  • The role of different departments in credit control.

Module 2: Defining Credit Risk Appetite

  • What is credit risk appetite and why it matters.
  • How to quantify and articulate risk tolerance.
  • Establishing clear lending limits and approval authorities.
  • Segmenting members based on risk profiles.
  • Aligning risk appetite with regulatory requirements.

Module 3: Lending Criteria and Application Process

  • Defining clear and objective lending criteria.
  • The importance of a standardized loan application process.
  • How to use financial ratios and data to assess creditworthiness.
  • The role of credit scoring and its application.
  • Procedures for loan approval, denial, and appeals.

Module 4: Account Monitoring and Review

  • Establishing a system for ongoing loan performance monitoring.
  • Setting up triggers for early warning signs of delinquency.
  • The importance of regular account reviews and re-evaluation.
  • Procedures for downgrading or upgrading credit ratings.
  • The role of automated alerts and reporting.

Module 5: Designing a Collections Procedure

  • Creating a phased and systematic collections process.
  • Defining clear communication channels and timelines.
  • The use of different collections tools and techniques.
  • When to escalate a case to legal or external agencies.
  • The importance of a compassionate and ethical approach to collections.

Module 6: Policy Implementation and Training

  • A step-by-step guide to rolling out a new policy.
  • Conducting effective training for all relevant staff.
  • Creating a culture of compliance and accountability.
  • The role of internal controls and audits.
  • Communicating policy changes to members.

Module 7: Reporting and Performance Analysis

  • Key performance indicators (KPIs) for credit control.
  • Designing effective credit risk reports for management.
  • Analyzing delinquency and recovery trends.
  • Using data to identify areas for policy improvement.
  • Reporting on policy compliance and exceptions.

Module 8: The Role of Technology

  • Using loan management systems to enforce policy.
  • The benefits of automated credit scoring and monitoring.
  • Integrating with credit bureaus for accurate data.
  • Using data analytics for predictive risk modeling.
  • The future of technology in credit control.

Module 9: Policy Review and Updates

  • The importance of a regular policy review cycle.
  • How to incorporate new regulatory changes.
  • Adapting the policy to market and economic changes.
  • Gathering feedback from staff and members.
  • Formalizing the policy update and approval process.

Module 10: Drafting the Policy Document

  • A practical workshop on writing a clear and concise policy.
  • Structuring the policy document for ease of use.
  • Defining terms and responsibilities.
  • Including appendices and supporting documentation.
  • Finalizing the policy and getting formal approval.

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

 

Architecting Financial Health: Crafting & Implementing A Credit Control Policy Training Course in Saint Vincent and the Grenadines
Dates Fees Location Action
13/10/2025 - 17/10/2025 $1,750 Mombasa
Physical Class Online Class
20/10/2025 - 24/10/2025 $1,500 Nairobi
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03/11/2025 - 07/11/2025 $2,900 Kigali
Physical Class Online Class
10/11/2025 - 14/11/2025 $1,500 Nairobi
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24/11/2025 - 28/11/2025 $1,500 Nairobi
Physical Class Online Class
01/12/2025 - 05/12/2025 $1,750 Mombasa
Physical Class Online Class
08/12/2025 - 12/12/2025 $1,500 Nairobi
Physical Class Online Class
05/01/2026 - 09/01/2026 $1,750 Mombasa
Physical Class Online Class
12/01/2026 - 16/01/2026 $1,500 Nairobi
Physical Class Online Class
26/01/2026 - 30/01/2026 $1,500 Nairobi
Physical Class Online Class
02/02/2026 - 06/02/2026 $4,000 Pretoria
Physical Class Online Class
09/02/2026 - 13/02/2026 $1,750 Mombasa
Physical Class Online Class
23/02/2026 - 27/02/2026 $1,500 Nairobi
Physical Class Online Class
02/03/2026 - 06/03/2026 $1,750 Mombasa
Physical Class Online Class
16/03/2026 - 20/03/2026 $1,500 Nairobi
Physical Class Online Class
23/03/2026 - 27/03/2026 $1,500 Nairobi
Physical Class Online Class
06/04/2026 - 10/04/2026 $4,950 Dubai
Physical Class Online Class
13/04/2026 - 17/04/2026 $1,500 Nairobi
Physical Class Online Class
20/04/2026 - 24/04/2026 $1,500 Nairobi
Physical Class Online Class
04/05/2026 - 08/05/2026 $1,750 Mombasa
Physical Class Online Class
11/05/2026 - 15/05/2026 $1,500 Nairobi
Physical Class Online Class
01/06/2026 - 05/06/2026 $2,900 Kigali
Physical Class Online Class
08/06/2026 - 12/06/2026 $1,500 Nairobi
Physical Class Online Class
22/06/2026 - 26/06/2026 $1,500 Nairobi
Physical Class Online Class