Course Overview
This training equips participants with the skills and knowledge needed to evaluate creditworthiness,
assess risks, and manage credit portfolios in banking. It covers the principles of credit analysis, the use
of financial statements for credit evaluation, and the tools for identifying, assessing, and mitigating
credit risks. Participants will also explore industry-specific risk factors, regulatory compliance, and
strategies for maintaining healthy loan portfolios.

Target Group
 Credit Analysts and Risk Managers
 Relationship Managers in Corporate and Retail Banking
 Loan Officers and Portfolio Managers
 Financial Analysts and Advisors
 Regulators and Supervisors of Banking Institutions
 Students and graduates aspiring for careers in banking and risk management
 Consultants specializing in credit and risk management
 Professionals preparing for certifications like CFA, FRM, or PRM

Expected Outcomes
By the end of this course, participants will:
1. Understand the fundamentals of credit analysis and risk management in banking.
2. Learn to analyze financial statements to assess creditworthiness.
3. Identify and evaluate key risk factors in credit decisions.
4. Gain knowledge of industry-specific credit risks and their implications.
5. Develop skills to structure and price loans based on risk profiles.
6. Learn how to monitor loan performance and manage problem loans.
7. Understand regulatory requirements, such as Basel guidelines, for credit risk management.
8. Acquire practical insights into credit risk mitigation techniques, including collateral
management and credit derivatives.