14Days02Hrs01Min53Secs
Feb 05 2025

Lending to Commercial Borrowers(Feb. 5-7) Virtual

  • 9:00am
  • National Banking College

Background

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 may default on loan repayment due to internal and external factors.

It is therefore incumbent on the lending bank to undertake a good loan appraisal and should be able to respond timeously to red flags.

Programme Objectives

  • Understand the basic features and considerations in Commercial Lending especially to small and medium-sized companies.
  • Differentiate the types of business customers with the objective of providing appropriate credit facilities.
  • Understand the various 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 Outline

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

CostGHCN/A

To register, contact the programmes secretariat now !

+233 (0) 302 760006