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The Credit Management and Credit Risk Training Course by the Geneva Institute of Business Management, under the Finance and Accounting Training Courses category, provides comprehensive knowledge of Credit Risk Management, credit assessment, credit analysis, credit scoring, lending decisions, and risk mitigation. The course develops practical capabilities for evaluating borrower creditworthiness, identifying financial risks, establishing credit limits, and improving the quality of lending decisions.
Participants gain practical skills in credit risk assessment, financial statement analysis, borrower evaluation, credit scoring models, loan risk management, and credit portfolio management. The programme examines credit policies, risk monitoring, early warning indicators, loan classification, credit concentration, and portfolio performance to support effective credit management and sustainable financial performance.
Objectives
Understand core principles and frameworks of Credit Risk Management.
Develop effective approaches to credit risk assessment and borrower evaluation.
Apply financial and qualitative techniques in credit analysis.
Evaluate borrower financial statements, cash flows, and repayment capacity.
Understand credit scoring methods and their application in lending decisions.
Establish appropriate credit limits and lending conditions.
Identify, measure, and mitigate different types of credit risk.
Apply effective loan risk management practices.
Monitor credit exposures and identify early warning indicators.
Develop strategies for effective credit portfolio management.
Analyse credit concentration and portfolio quality.
Strengthen credit decision-making, monitoring, and risk reporting.
Target Audience
Credit Managers and Credit Officers
Credit Risk Analysts
Banking and Financial Services Professionals
Loan Officers and Lending Professionals
Risk Management Professionals
Financial Analysts
Relationship Managers
Corporate Finance Professionals
Treasury and Investment Professionals
Compliance and Internal Audit Professionals
Professionals involved in lending, credit approval, and portfolio management
Modules
Module 1: Fundamentals of Credit Management and Credit Risk
Principles of credit management
Definition and types of credit risk
Credit risk management framework
Credit lifecycle and lending process
Roles and responsibilities of credit functions
Credit policies and governance
Module 2: Credit Risk Assessment
Principles of credit risk assessment
Borrower identification and profiling
Character, capacity, capital, collateral, and conditions
Qualitative and quantitative risk factors
Assessing repayment capacity
Credit risk indicators
Module 3: Credit Analysis and Financial Statement Evaluation
Fundamentals of credit analysis
Analysis of income statements and balance sheets
Cash flow and liquidity assessment
Profitability and leverage analysis
Financial ratios for credit decisions
Evaluating business and industry risks
Module 4: Credit Scoring and Credit Decision-Making
Principles of credit scoring
Traditional and quantitative credit scoring techniques
Risk rating systems
Credit grades and borrower classification
Credit limits and approval criteria
Automated credit decision-making
Module 5: Loan Risk Management
Principles of loan risk management
Loan structuring and repayment terms
Collateral assessment and security
Loan approval and documentation
Loan monitoring and review
Problem loans and non-performing exposures
Module 6: Credit Risk Mitigation
Credit risk mitigation techniques
Collateral and guarantees
Covenants and contractual protections
Credit insurance and risk transfer
Diversification strategies
Managing default and recovery risk
Module 7: Credit Portfolio Management
Principles of credit portfolio management
Portfolio composition and diversification
Credit concentration risk
Sector and geographic exposure
Portfolio quality measurement
Portfolio monitoring and performance analysis
Module 8: Credit Risk Monitoring and Early Warning Systems
Credit risk monitoring frameworks
Early warning indicators
Borrower performance tracking
Risk escalation procedures
Stress testing and scenario analysis
Credit risk reporting
Module 9: Credit Risk Governance and Regulatory Considerations
Credit risk governance structures
Internal credit controls
Risk policies and approval authorities
Regulatory expectations for credit risk
Documentation and audit requirements
Risk reporting and management information
Module 10: Advanced Credit Risk Management Strategies
Integrated Credit Risk Management frameworks
Portfolio stress testing
Credit risk modelling concepts
Default probability and loss estimation
Emerging credit risks
Building sustainable credit risk strategies
