Credit Analysis and Lending Decisions
Good lending decisions rest on a clear reading of the borrower and a sound structure for the facility. This course builds the analytical discipline to assess financial statements, judge repayment capacity and structure credit that protects the lender without losing the client.
Course outline
What this programme covers, module by module.
- 01The credit process from application through approval to review
- 02Reading financial statements through a credit lens
- 03Cash flow analysis and debt service capacity
- 04Qualitative assessment: management, market and industry risk
- 05Facility structuring, pricing, covenants and security
- 06Writing the credit paper and presenting to committee
- 07Portfolio monitoring, early warning signs and problem credits
What you will gain
- Analyse borrower financial statements for credit purposes
- Assess repayment capacity through cash flow rather than profit
- Identify the qualitative factors that drive borrower risk
- Structure facilities, covenants and security appropriately
- Write a credit paper that supports a clear recommendation
- Monitor exposures and act early on deteriorating credits
Who should attend
- Credit analysts and credit officers
- Relationship and business bankers
- Credit committee members
- Risk professionals in lending institutions
Upcoming sessions
| Date | City | Duration | Fees | Book |
|---|---|---|---|---|
| 2 to 6 Nov 2026 | Johannesburg | 5 Days | R18,000 | |
| 23 to 27 Nov 2026 | London | 5 Days | US$1,800 | |
| 7 to 11 Dec 2026 | Dubai | 5 Days | US$1,800 | |
| 11 to 15 Jan 2027 | Pretoria | 5 Days | R18,000 | |
| 8 to 12 Feb 2027 | Durban | 5 Days | R18,000 | |
| 26 to 30 Apr 2027 | Cape Town | 5 Days | R18,000 | |
| 21 to 25 Jun 2027 | Johannesburg | 5 Days | R18,000 |
Fees are per delegate and exclude VAT. Public intakes are confirmed once minimum numbers are met. We also deliver this course on your own schedule, in-house or live online.
Enquire about this course
Register your team or ask for a tailored in-house quote. We reply within one working day.
WhatsApp usCourse brochure (PDF)- Fees from
- R18,000 per delegate
- Duration
- 5 Days
- Field
- Banking & Financial Services
- Formats
- In-house, public, online
More in Banking & Financial Services
Retail Banking Operations
Retail banking runs on high volumes and thin margins, where small operational failures multiply quickly. This programme covers the products, processes and controls behind branch and channel operations, with attention to service quality and loss prevention.
Trade Finance Fundamentals
Trade finance bridges the trust gap between buyers and sellers who may never meet. This course explains the main instruments, the documentary discipline they demand and the risks that arise when documents and goods do not match.
Mortgage and Asset Finance Lending
Secured lending against property and equipment follows different rules from unsecured credit, because the asset carries much of the risk. This course covers valuation, security, affordability and the recovery position when a secured loan fails.