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EasyUphill
CORPORATE DEVELOPMENT
+27 81 041 7673
training@eubiz.co.za
68 Sunstone Street, Germiston, 1401
eubiz.co.za
training@eubiz.co.za
68 Sunstone Street, Germiston, 1401
eubiz.co.za
Banking & Financial Services
Credit Analysis and Lending Decisions
Duration
5 Days
Delivery
In-house, public or online
From
R18,000 per delegate
Certificate
On completion
Course overview
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.
What you will be able to do
- 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
Course outline
01
The credit process from application through approval to review
02
Reading financial statements through a credit lens
03
Cash flow analysis and debt service capacity
04
Qualitative assessment: management, market and industry risk
05
Facility structuring, pricing, covenants and security
06
Writing the credit paper and presenting to committee
07
Portfolio monitoring, early warning signs and problem credits
Upcoming public sessions
| Dates | Venue | Duration | Fee per delegate |
|---|---|---|---|
| 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 exclude VAT. This course can also be delivered in-house at your premises on dates that suit your team, or live online.
To book or ask for an in-house quote
Reply to the email this brochure came with, call +27 81 041 7673, or visit eubiz.co.za and open this course.
EasyUphill Training & ConsultingTailored training that moves teams forward.
+27 81 041 7673 · training@eubiz.co.za
68 Sunstone Street, Germiston, 1401 · eubiz.co.za
68 Sunstone Street, Germiston, 1401 · eubiz.co.za