Credit Risk Analysis and Management
Tutor-Led Class @ NGN250,000.00 per Participant
Online @ NGN230,000.00 per Participant
On-Site available on formal request
Venue: Workproskills Training Centres
Dates: Lagos (Dec. 1 - 5, 2025), Abuja (Dec. 15 - 19, 2025), Port Harcourt (Dec. 8 - 12, 2025), Ota (Jan. 5 - 9, 2026)
Time: 0900Hr - 1600Hr Daily
Course Overview
This 5-day course equips participants with the analytical tools and frameworks needed to evaluate, monitor, and manage credit risk in financial institutions. It covers the full credit lifecycle—from borrower assessment and credit scoring to portfolio monitoring and recovery strategies.
Participants will explore internal rating systems, credit risk modeling, regulatory capital requirements under Basel II/III, and the role of credit committees. The course blends theory with practical exercises, including case studies on corporate lending, retail credit, and SME financing.
Learning Objectives
- Understand the sources and types of credit risk
- Apply credit analysis techniques to assess borrower risk
- Design internal credit rating systems and scoring models
- Evaluate credit exposures and portfolio concentration
- Monitor credit performance and early warning indicators
- Comply with regulatory capital and provisioning requirements
- Develop recovery and restructuring strategies
Who Should Attend
- Credit analysts and loan officers
- Risk managers and portfolio managers
- Bank examiners and regulators
- Corporate finance professionals
- Investment analysts and consultants
Course Outline
Day 1 – Fundamentals of Credit Risk
- Definition and classification of credit risk
- Types of borrowers and credit products
- Credit lifecycle and risk drivers
Day 2 – Credit Analysis and Rating
- Financial statement analysis
- Qualitative and quantitative borrower assessment
- Internal rating systems and credit scoring
Day 3 – Credit Risk Modeling and Regulation
- Probability of default (PD), loss given default (LGD), exposure at default (EAD)
- Basel II/III capital requirements
- Stress testing and scenario analysis
Day 4 – Portfolio Management and Monitoring
- Credit portfolio concentration and diversification
- Early warning indicators and watchlists
- Credit risk dashboards and reporting
Day 5 – Recovery and Restructuring
- Loan workout strategies
- Restructuring and renegotiation techniques
- Case studies: SME, retail, and corporate credit
Course Details
Duration: 5 days
Time: 9:00 AM - 4:00 PM daily
Venue: Workmanskills Training Centres (Lagos, Abuja, Port Harcourt, Ota) + Virtual option
Fees & Inclusions
NGN250,000 per participant. Includes training materials, refreshments, certificate, and access to post-course resources.
Certification
Certificate of Completion in Credit Risk Analysis and Management issued by Workmanskills Consult.