Africa Risk Management Advisors
Fundamentals of Credit Risk Management for Credit Providers
Back to Dashboard

Hey there, great course, right? Do you like this course?

All of the most interesting lessons further. In order to continue you just need to purchase it

Get course
One Time Payment Enroll with Membership

Course sections

Section 1
AN OVERVIEW OF CREDIT AND CREDIT RISK
1
Introduction
2
The Process of Credit Generation
3
The Analysis of individual Lending Proposal
4
WHAT DO WE MEAN BY CREDIT RISK?
5
TYPES OF LENDING
6
TYPES OF BORROWERS AND LENDERS IN KENYA
7
THE IMPORTANCE OF CREDIT TO ECONOMIC ACTIVITY
8
THE COMPONENTS OF CREDIT RISK
9
SOCIAL RESPONSIBILITY/ETHICS OF LENDING
10
SUMMARY
11
CREDIT AND CREDIT RISK QUIZ
Section 2
AN INTRODUCTION TO LENDING
1
WHAT DO FINANCIAL INSTITUTIONS DO?
2
DIFFERENT TYPES OF LENDING INSTITUTIONS AND THE NATURE OF THEIR LENDING
3
GENERAL PRINCIPLES OF GOOD LENDING
4
METHODS OF CREDIT ANALYSIS
5
THE CREDIT ANALYSIS PROCESS
6
SUMMARY
7
INTRODUCTION TO LENDING QUIZ
Section 3
THE PRINCIPLES OF GOOD LENDING
1
INTRODUCTION
2
THE REASONS WHY CUSTOMERS WANT TO BORROW MONEY
3
EVALUATING THE BORROWING PURPOSE
4
ASSESSING THE SOURCES OF DEBT REPAYMENT
5
CASH GENERATION AS A SOURCE OF DEBT REPAYMENT
6
ASSET SALE AS A SOURCE OF REPAYMENT
7
DEBT REFINANCING
8
ASSESSMENT OF THE BUSINESS OWNERS
9
STRUCTURING BORROWING TERMS
10
SECURITY
11
SUMMARY
12
QUIZ ON THE PRINCIPLES OF GOOD LENDING
Section 4
CREDIT PRODUCTS AND SERVICES
1
INTRODUCTION
2
MATCHING LENDING PRODUCTS TO CUSTOMER NEEDS
3
PRSONAL LENDING PRODUCTS
4
BUSINESS BORROWING
5
MORE SPECIALIZED FORMS OF BUSINESS AND BORROWINGCORPORATE
6
ALTERNATIVE CREDIT DELIVERY METHODS
7
SUMMARY
8
QUIZ ON CREDIT PRODUCTS AND SERVICES
Section 5
SECURITIES FOR LENDING
1
INTRODUCTION
2
WHY AND WHEN SHOULD SECURITY BE TAKEN?
3
ATTRIBUTES OF GOOD SECURITY
4
THE FUNDAMENTALS AND LEGALITY OF SECURITY
5
SECOND MORTGAGES
6
GUARANTEES AND OTHER THIRD PARTY SECURITY
7
CORPORATE LENDING AND SECURITY
8
SUMMARY
9
QUIZ ON SECURITIES FOR LENDING
Section 6
MANAGING CREDIT RISK
1
INTRODUCTION
2
CREDIT RISK IN BANKING
3
THE RISK MANAGEMENT FRAMEWORK
4
CREDIT RISK PORTFOLIO MANAGEMENT
5
INTERNAL RATINGS AND RATINGS MIGRATION
6
CREDIT RISK AND THE BASEL ACCORD
7
SUMMARY
8
QUIZ ON MANAGING CREDIT RISK
Section 7
CREDIT INFORMATION SHARING
1
INTRODUCTION
2
GENERAL PRINCIPLES OF CREDIT REPORTING (WORLD BANK GROUP REPORT)
3
THE EVOLUTION OF INFORMATION AVAILABLE TO LENDERS (TECHNOLOGY VS TRADITIONAL)
4
CREDIT INFORMATION – SOURCES AND USES
5
CREDIT INFORMATION SHARING (CIS) AND CREDIT REFERENCE BUREAUS (CRB)
6
CREDIT BUREAUS
7
THE CREDIT LIFE-CYCLE
8
SUMMARY
9
QUIZ ON CREDIT INFORMATION SHARING
Section 8
REGULATIONS AND ETHICS
1
THE OBJECTIVES OF REGULATIONS
2
PRUDENTIAL REGULATION GUIDELINES
3
THE ETHICS OF LENDING
4
CORPORATE RESPONSIBILITIES
5
PROFESSIONAL BEHAVIOUR
6
PROTECTING THE BRAND – REPUTATIONAL RISK
7
SUMMARY
8
QUIZ ON REGULATIONS AND ETHICS
Section 9
MICROFINANCE
1
HOW MICROFINANCE DIFFERS WITH OTHER LENDING TECHNIQUES
2
THE NEEDS OF MICROFINANCE CUSTOMERS
3
PRODUCTS AND SERVICES IN MICROFINANCE
4
AN OVERVIEW OF THE MICROFINANCE PROCESS
5
PRINCIPLES OF MICROFINANCE LENDING
6
ASSESSING THE BORROWER
7
LENDING WITH LITTLE OR LOW SECURITY
8
LENDING TO GROUPS
9
SUMMARY
10
QUIZ ON MICROFINANCE
Section 10
PERSONAL LENDING
1
INTRODUCTION
2
APPRAISING THE LENDING PROPOSITION
3
MONITORING AND CONTROL
4
LARGE PERSONAL LENDING
5
SPECIAL TYPES OF PERSONAL BORROWERS: EXECUTORS, TRUSTEES & CLUBS
6
CUSTOMER DUE DILIGENCE
7
SUMMARY
8
PERSONAL LENDING QUIZ
Section 11
CORPORATE LENDING
1
SME LENDING AND LARGER CORPORATE LENDING
2
ASSESSING THE RISKS AND STRUCTURE FOR ANALYSIS
3
NON-FINANCIAL INFORMATION AND ITS APPRAISAL
4
FINANCIAL APPRAISAL
5
CAPITAL INVESTMENT APPRAISAL
6
APPRAISING PROFITABILITY AND CASHFLOW FORECASTS
7
MONITORING AND CONTROL
8
MEDIUM TERM LENDING AND FACILITY LETTERS
9
SUMMARY
10
QUIZ ON CORPORATE LENDING
Section 12
UNDERSTANDING ISLAMIC BANKING
1
WHAT MAKES ISLAMIC BANKING DIFFERENT?
2
PRINCIPLES OF ISLAMIC BANKING
3
COMMON ISLAMIC BANKING PRODUCTS
4
FINANCING PRODUCTS
5
THE ROLE OF THE SHARI’A BOARD
6
ACCOUNTING AND DISCLOSURE
7
THE REGULATION OF ISLAMIC BANKS
8
RISK FACTORS
9
ESTIMATING THE SIZE OF THE ISLAMIC BANKING INDUSTRY
10
SUMMARY
11
ISLAMIC BANKING QUIZ
Section 13
DEALING WITH NON PERFORMING LOANS
1
INTRODUCTION
2
DEFINITION OF A DETERIORATING CREDIT
3
TYPES OF POTENTIAL PROBLEMS AND EARLY WARNING SIGNS
4
LARGER BUSINESS CUSTOMERS AND INCORPORATED BUSINESSES
5
NON-PERFORMING LOANS AND THE NEW ACCOUNTING RULES IFRS9
6
SUMMARY
7
QUIZ ON NON-PERFORMING LOANS

THE PRINCIPLES OF GOOD LENDING

DEBT REFINANCING

Lesson is locked. Please Buy course to proceed.

THE PRINCIPLES OF GOOD LENDING ASSET SALE AS A SOURCE OF REPAYMENT
Complete
THE PRINCIPLES OF GOOD LENDING ASSESSMENT OF THE BUSINESS OWNERS