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Bank Credit Analysis and Corporate Lending Assessment

Understanding how banks assess borrowers helps both lenders and corporate finance teams structure fundable deals. This course teaches the credit analysis process from financial spreading and ratio analysis to cash flow lending and covenant design. Examples reflect African corporate and mid market borrowers, including seasonal and commodity linked businesses.

What you will be able to do

  • Spread and analyse borrower financial statements for credit decisions.
  • Assess repayment capacity through cash flow based lending analysis.
  • Evaluate management, industry and business risk qualitatively.
  • Structure facilities, covenants and security to mitigate credit risk.
  • Grade credit risk and price lending accordingly.
  • Write a clear, defensible credit assessment memorandum.

Course outline

  1. 01The credit assessment process
  2. 02Financial spreading and ratios
  3. 03Cash flow based lending
  4. 04Qualitative and industry risk
  5. 05Facility structuring and covenants
  6. 06Security and collateral basics
  7. 07Risk grading and pricing
  8. 08Writing the credit memorandum

Who should attend

Credit analysts, relationship and business bankers, and corporate finance staff who assess or prepare corporate lending applications.

Dates, venues and fees

DatesVenueDaysFeeCalendar
17 to 21 Aug 2026Lagos5US$1,800
24 to 28 Aug 2026Harare5US$1,800
31 Aug to 4 Sep 2026Kampala5US$1,800
7 to 11 Sep 2026Dar es Salaam5US$1,800
14 to 18 Sep 2026Pretoria5R18,000
21 to 25 Sep 2026Cape Town5R18,000
5 to 9 Oct 2026Online5US$900
12 to 16 Oct 2026Mozambique5US$1,800
19 to 23 Oct 2026Cairo5US$1,800
26 to 30 Oct 2026Accra5US$1,800
2 to 6 Nov 2026Lusaka5US$1,800
9 to 13 Nov 2026Kigali5US$1,800
16 to 20 Nov 2026Nairobi5US$1,800
23 to 27 Nov 2026Durban5R18,000
30 Nov to 4 Dec 2026Johannesburg5R18,000
14 to 18 Dec 2026Mauritius5US$1,800
21 to 25 Dec 2026Dubai5US$1,800

Fees are per delegate. South African venues are priced in rand; other locations and online in US dollars. Fees exclude 15% VAT where applicable. Group bookings of three or more delegates from the same organisation qualify for a reduced rate; contact us for a quotation.

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