This training impacts a comprehensive set of knowledge required for lending to the SME sector. It among others seeks to equip those involved in the lending process with the requisite tools and techniques needed to make informed decisions when granting and monitoring loans to SME clients. This three-day training program seeks to build the analytical skills of Credit Officers in evaluating the creditworthiness of Small and Medium Enterprises (SMEs) accessing loans from a financial institution. It also teaches participants a combination of both qualitative and quantitative assessment of SMEs as a business entity, the management and the performance of the business in making lending decisions. Effective use of tested analytical tools, forecasting techniques based on historical information from the business will allow Credit Officers to understand and be able to predict both the ability and willingness of SMEs to afford credit facilities. Several real-life scenarios and case studies are used to elicit the key risk factors, red flags, concepts and principals involved in the overall credit decision-making.
The key objectives of this training include:
The Lending Process / Cycle;
Loan Assessments and Analysis including using SWOT Analysis
Cash Flow Analysis
Financial Statement Analysis: Balance Sheet and Income Statement
Collateral Valuation techniques
Credit Risk Analysis
Loan Approval and Documentation Process
Collection and Monitoring
Loan Restructuring