Financial Modelling for Lending Decisions
Credit models are only as good as the assumptions inside them, and most break under scenarios nobody tested. This course covers building borrower models that show how a loan performs when conditions change.
Course outline
What this programme covers, module by module.
- 01What a lending model needs to answer
- 02Building projections from historic financial statements
- 03Cash flow available for debt service
- 04Debt schedules, amortisation and repayment profiles
- 05Covenant modelling and headroom testing
- 06Downside scenarios and stressing key assumptions
- 07Presenting model outputs and their limitations
What you will gain
- Build a borrower financial model from statements
- Project cash flow available for debt service
- Model covenants and test headroom
- Run downside scenarios and stress the assumptions
- Structure debt schedules and repayment profiles
- Present model outputs to a credit committee
Who should attend
- Credit analysts and lending officers
- Corporate finance staff
- Risk professionals in lending
- Finance staff preparing borrowing proposals
Upcoming sessions
| Date | City | Duration | Fees | Book |
|---|---|---|---|---|
| 2 to 6 Nov 2026 | Pretoria | 5 Days | R18,000 | |
| 23 to 27 Nov 2026 | Durban | 5 Days | R18,000 | |
| 7 to 11 Dec 2026 | Cape Town | 5 Days | R18,000 | |
| 11 to 15 Jan 2027 | Johannesburg | 5 Days | R18,000 | |
| 1 to 5 Feb 2027 | London | 5 Days | US$1,800 | |
| 12 to 16 Apr 2027 | Dubai | 5 Days | US$1,800 | |
| 14 to 18 Jun 2027 | Pretoria | 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
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