Credit Analysis & Lending Decisions
A practical professional programme focused on credit analysis & lending decisions, designed to strengthen financial capability, analytical judgement and organisational performance.
- Type
- Specialist
- Level
- Advanced
- Duration
- 5 days
- Delivery
- In person, Live online, In-house
- Languages
- English, Arabic
Credit Analysis & Lending Decisions develops the analytical capability required to assess borrower creditworthiness and support disciplined lending decisions.
The programme examines financial analysis, cash flow, repayment capacity, business risk, collateral, credit structure and lending recommendations. Participants learn to combine quantitative financial evidence with qualitative business assessment.
The emphasis is on sound credit judgement, clear documentation and balanced consideration of return, risk and repayment capacity.
Objectives
Understand the principles of credit analysis and lending decisions.
Assess borrower financial performance and repayment capacity.
Evaluate business, industry and management risks.
Analyse collateral and credit structure appropriately.
Develop well-supported lending recommendations.
Learning outcomes
Analyse borrower financial statements for credit purposes.
Assess cash flow and debt-servicing capacity.
Identify key business and credit risks.
Evaluate proposed loan structures and security.
Prepare a clear and evidence-based credit recommendation.
Who it is for
Credit analysts.
Relationship managers.
Lending officers.
Corporate and commercial banking professionals.
Risk professionals involved in credit decisions.
Programme modules
1. Credit Analysis Foundations
Purpose of credit analysis
Credit risk
Borrower assessment
Lending decision framework
2. Financial Statement Analysis for Credit
Profitability
Liquidity
Leverage
Financial trends
3. Cash Flow and Repayment Capacity
Operating cash flow
Debt service
Cash-flow forecasting
Repayment sources
4. Business and Industry Risk
Business model
Industry conditions
Management quality
Competitive position
5. Credit Structure and Security
Loan purpose
Tenor and repayment structure
Collateral
Covenants and conditions
6. Credit Recommendation and Decision
Risk summary
Credit strengths and weaknesses
Mitigating factors
Writing lending recommendations
Methodology
The programme uses borrower cases, financial analysis, cash-flow exercises and credit-decision scenarios. Participants evaluate lending proposals and develop structured recommendations based on both financial and qualitative evidence.
Assessment
Assessment includes borrower-analysis exercises and a final credit case requiring participants to evaluate risk, repayment capacity and structure and present a lending recommendation.
Certificate
Certificate of Completion
For your organisation
This programme can be delivered for a single organisation, team or institution, and adapted to your context, participants and objectives.
Organisational delivery is scoped and priced individually, and is not booked from this page.
Upcoming sessions
No dates are scheduled at present.
Institutional needs addressed
Related expertise
Related capabilities
Training & Professional Development
Structured professional learning that develops practical, role-relevant knowledge and capability.
Consulting & Advisory
Structured advisory support for strategy, governance, performance, transformation and organisational decision-making.