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Feb 04 2026

Lending to Commercial Borrowers  (Feb 4-6) In-person

  • 9:00am
  • National Banking College

Rationale

Lending is one of the key activities of commercial banks. Although Bank’s with healthy portfolios are bound to reap appreciable returns, the activity also come with the risk that the borrower is likely to default on loan repayment.
It is therefore incumbent on the lending bank to understand its client’s business and also the evaluate the prospect repaying its loan in a timely manner.

Programme Objectives

  • Differentiate the different types of business customers with the objective of providing appropriate credit facilities.
  • Differentiate the different types of business customers with the objective of providing appropriate credit facilities.
  • Understand the credit facilities available to business customers.
  • Appreciate the use of financial statements in analyzing the credit worthiness of borrowers.
  • Have a sound appreciation of the various forms of
  • Security available to lenders
  • Apply a standard framework in credit analysis.

Course content

Introduction to credit
The asset conversion cycle and business types
Guidelines for effective lending – Appraisal techniques
Types of Credit Facilities and key features
Financial Statements in lending: introduction to
the balance sheet, income statement and cash flow
Collateral in lending: type, features, and realization
Loan monitoring strategies
Lending to a small business – case study

Target Group

  • Credit Administrators
  • Credit Analysts/Relationship Officers/Managers
  • Audit
  • Compliance & Assurance Officers
  • Legal Officers

To register, contact the programmes secretariat now !

+233 (0) 302 760006