Module 1: Foundations of Credit and Lending

• The Role of Credit in the Economy
• Different Types of Credit and Lending (Retail, Corporate, SME)
• Key Principles of Sound Lending
• Understanding the Credit Cycle
• Practical session: Identifying the different types of credit products offered by a financial institution

Module 2: Understanding Financial Statements for Credit Analysis

• Overview of the Balance Sheet, Income Statement, and Cash Flow Statement
• Key Accounting Principles and Concepts
• Identifying Key Line Items Relevant to Credit Analysis
• Understanding the Interrelationships Between Financial Statements
• Practical session: Locating and interpreting key financial data in sample financial statements

Module 3: Ratio Analysis and Financial Performance Evaluation

• Liquidity Ratios (Current Ratio, Quick Ratio)
• Solvency Ratios (Debt-to-Equity, Debt-to-Asset)
• Profitability Ratios (Gross Profit Margin, Net Profit Margin, Return on Equity)
• Efficiency Ratios (Asset Turnover, Inventory Turnover)
• Practical session: Calculating and interpreting key financial ratios from provided financial statements

Module 4: Assessing Borrower Character and Repayment Capacity

• The Importance of the “Five Cs of Credit” (Character, Capacity, Capital, Collateral, Conditions)
• Techniques for Assessing Borrower Character (Credit History, Management Assessment)
• Analyzing Cash Flow and Repayment Ability
• Understanding Industry and Economic Factors Affecting Repayment
• Practical session: Analyzing a borrower profile and assessing their character and repayment capacity

Module 5: Collateral Evaluation and Security Documentation

• Types of Collateral (Real Estate, Equipment, Inventory, Financial Assets)
• Principles of Collateral Valuation
• Understanding Different Types of Security Documents (Mortgages, Charges, Guarantees)
• Legal Aspects of Collateral Perfection
• Practical session: Reviewing sample collateral documentation and identifying key clauses

Module 6: Loan Structuring and Pricing

• Determining Loan Amount and Tenor
• Different Types of Loan Structures (Term Loans, Lines of Credit)
• Factors Influencing Loan Pricing (Cost of Funds, Risk Premium, Market Rates)
• Understanding Loan Covenants and Conditions
• Practical session: Structuring a loan facility based on a borrower’s needs and financial situation

Module 7: Credit Risk Assessment and Grading

• Identifying Different Sources of Credit Risk
• Developing and Applying Credit Risk Grading Systems
• Understanding Probability of Default (PD) and Loss Given Default (LGD)
• The Role of Credit Scoring Models
• Practical session: Assigning a credit risk grade to a borrower based on provided information

Module 8: Loan Documentation and Legal Aspects of Lending

• Importance of Comprehensive Loan Documentation
• Key Clauses in Loan Agreements
• Understanding Legal Requirements Related to Lending
• Enforcement of Loan Agreements and Recovery Processes
• Practical session: Reviewing key clauses in a sample loan agreement

Module 9: Loan Monitoring and Problem Loan Management

• Establishing Loan Monitoring Procedures
• Identifying Early Warning Signs of Potential Loan Default
• Strategies for Managing Problem Loans
• Loan Restructuring and Workout Options
• Practical session: Developing a plan for managing a borrower exhibiting early warning signs of financial distress

Module 10: Regulatory and Compliance in Lending

Overview of Key Lending Regulations

Consumer Protection Laws

Anti-Money Laundering (AML) Requirements

Reporting Requirements for Lending Institutions

Practical session: Identifying key regulatory requirements relevant to a specific lending scenario

Requirements:

·       Participants should be reasonably proficient in English.

• ·       Applicants must live up to Armstrong Global Institute admission criteria.
• Terms and Conditions

1. Discounts: Organizations sponsoring Four Participants will have the 5th attend Free

2. What is catered for by the Course Fees: Fees cater for all requirements for the training – Learning materials, Lunches, Teas, Snacks and Certification. All participants will additionally cater for their travel and accommodation expenses, visa application, insurance, and other personal expenses.

3. Certificate Awarded: Participants are awarded Certificates of Participation at the end of the training.

4. The program content shown here is for guidance purposes only. Our continuous course improvement process may lead to changes in topics and course structure.

5. Approval of Course: Our Programs are NITA Approved. Participating organizations can therefore claim reimbursement on fees paid in accordance with NITA Rules.

Booking for Training

Simply send an email to the Training Officer on training@armstrongglobalinstitute.com and we will send you a registration form. We advise you to book early to avoid missing a seat to this training.

Or call us on +254720272325 / +254725012095 / +254724452588

Payment Options

We provide 3 payment options, choose one for your convenience, and kindly make payments at least 5 days before the Training start date to reserve your seat:

1. Groups of 5 People and Above – Cheque Payments to: Armstrong Global Training & Development Center Limited should be paid in advance, 5 days to the training.

2. Invoice: We can send a bill directly to you or your company.

3. Deposit directly into Bank Account (Account details provided upon request)

Cancellation Policy

1. Payment for all courses includes a registration fee, which is non-refundable, and equals 15% of the total sum of the course fee.

2. Participants may cancel attendance 14 days or more prior to the training commencement date.

3. No refunds will be made 14 days or less before the training commencement date. However, participants who are unable to attend may opt to attend a similar training course at a later date or send a substitute participant provided the participation criteria have been met.

Tailor Made Courses

This training course can also be customized for your institution upon request for a minimum of 5 participants. You can have it conducted at our Training Centre or at a convenient location. For further inquiries, please contact us on Tel: +254720272325 / +254725012095 / +254724452588 or Email training@armstrongglobalinstitute.com

Accommodation and Airport Transfer

Accommodation and Airport Transfer is arranged upon request and at extra cost. For reservations contact the Training Officer on Email: training@armstrongglobalinstitute.com or on Tel: +254720272325 / +254725012095 / +254724452588