BANK LENDING AND CREDIT MANAGEMENT

Course Overview: Lending and Credit Management

This course provides a comprehensive and practice-oriented exploration of lending and credit management, equipping learners with the frameworks, tools, and judgment required to make sound credit decisions in today’s dynamic banking environment. It emphasizes both theoretical foundations and applied techniques, preparing candidates for professional banking examinations and real-world credit administration. Designed for banking professionals, finance students, and practitioners, the course bridges academic concepts with industry practice to strengthen technical competence, risk awareness, and strategic insight.

Learners will gain insights into:

• Principles of Lending: safety, liquidity, profitability, purpose, and risk diversification as guiding canons of credit.
• Credit Policy and Culture: formulation, benefits, and organizational practices that shape lending standards.
• Business and Retail Lending: financing options, lending environments, and customer lifecycle management.
• Corporate and Commercial Banking: structures, processes, and digitization trends influencing credit delivery.
• Loan Pricing Models: basis of loan pricing, cost of funds, borrower behavior, and value propositions.
• Credit Risk Management: types of risks, measurement frameworks, triggers, and mitigation strategies.
• Credit Analysis and Investigation: qualitative and quantitative assessment, facility approval memoranda, and due diligence.
• Financial Statement Analysis: ratio analysis, cash flow evaluation, and tools for credit decision-making.
• Project Feasibility and Cash Budgeting: methodologies for assessing viability and structuring lending decisions.
• Remedial Loan Management: early warning signs, recovery tactics, and strategies for managing problem loans.
• Organization and Control of Credit Function: governance roles, responsibilities, and portfolio management practices.
• Loan Syndication: processes, parties involved, advantages, risks, and global principles guiding syndicated lending.
• Sustainability in Lending: environmental and social risk management, Nigerian Sustainable Banking Principles, and global frameworks.