SME Lending for Credit Officers

Course brief

Changing value chain models, a global commitment to financial inclusion and the use of adaptive technology continue to change how business is done every day.  This has had considerable impact on borrowing patterns across the world.  How a financial institution defines an SME, for example, and whether it can accurately profile SME lending risks to provide matching SME credit and other financing solutions without undue exposure to itself are some of the interesting perspectives that this course will be looking at.

The course is ideal for banking professionals in credit operations across Savings and Credit Cooperative Organizations (SACCOs), microfinance banks, and mainstream commercial banks in emerging economies.

Key areas covered on this course include:

• The need to sustained relationships with borrowing customers

• Loans and security documentation

• Managing your portfolio at risk (PAR)

By the end of this course, participants will be able to:

i.    evaluate relative competitiveness of SME credit solutions available in the market

ii.   accurately analyze SME financial data presented in credit applications

iii.  provide better quality input for credit risk assessment

iv.  effectively engage SME and other borrowers to determine their financial needs, priorities and how to respond to them;

v.   appreciate the need for compliance with key KYC, KPY and AML guidelines;

vi.  familiarize themselves with microfinance banking Client Protection Principles and their implications for business

vii. improve customer experience throughout the credit customer life cycle

viii. prudently manage credit default and recovery

Important considerations for this course

This course presumes elementary knowledge of credit operations in MFIs and commercial banks.

Other courses of similar interest

• Finance for non-Finance Managers

• Business Mergers and Acquisitions

 Please contact us to discuss specific requirements

OR schedule an initial, no obligation, online meeting