Credit Control & Monitoring Programme

Sound underwriting practices is a corner stone of effective credit risk management. After a credit is booked and disbursed, accountability for its ultimate repayment rests with officers of the bank, who need to monitor, evaluate and take prompt action on credit issues. Besides training and experience in analysis and underwriting, additional skills and knowledge to actively prevent and solve potential problems are crucial in managing the credit relationship

The aim of this course is to provide managers with an awareness and basic understanding of credit control and monitoring methods and techniques. It aims to enable managers to be more effective in ensuring their customers meet their commitments to pay regularly and on time. It is an intensive two-day programme covering the key areas in loan management, detecting potential problem loans and how to handle problem loans when these arise.

At the end of this training, participants would have learnt the following:

• How to check credit worthiness of a customer
• Set up a credit checking and credit control routine
• Be aware of the key issues in Loan Management
• Discussion on key steps in reviewing a loan
• Learn how to set up an early warning system
• Prevent problem loans by being able to recognize early warning signs
• Recognize and dealing with borrowers who overtrades
• Ensure maximum recovery when encountering problem loans
• Know the key responsibilities of an account manager
• Review loan recovery steps that enhances achievement of results

This course is ideal for

• Professionals involved or aspiring to be involved in any aspect of the credit and lending life cycle.
• Staff in corporate, commercial and retail banking