Africa Risk Management Advisors
Fundamentals of Credit Risk Management for Credit Providers
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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

STRUCTURING BORROWING TERMS

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THE PRINCIPLES OF GOOD LENDING ASSESSMENT OF THE BUSINESS OWNERS
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THE PRINCIPLES OF GOOD LENDING SECURITY