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Credit Risk Masterclass Summary

The Credit and Credit Risk Management Masterclass, facilitated by Wubshet F. Ganta from August 19-23, 2024, aims to equip participants with skills in credit appraisal, risk management, and loan portfolio oversight. Key training modules include understanding credit processes, identifying early warning signals, and managing non-performing loans. The course also covers compliance with NBE directives and effective credit analysis techniques.

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31 views12 pages

Credit Risk Masterclass Summary

The Credit and Credit Risk Management Masterclass, facilitated by Wubshet F. Ganta from August 19-23, 2024, aims to equip participants with skills in credit appraisal, risk management, and loan portfolio oversight. Key training modules include understanding credit processes, identifying early warning signals, and managing non-performing loans. The course also covers compliance with NBE directives and effective credit analysis techniques.

Uploaded by

wodajodagim
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd

Credit and Credit Risk

Management Masterclass
Executive Summary
Facilitator: Wubshet F. Ganta | Date:
19–23 August 2024
Training Objectives
• - Understand credit appraisal and the lending
process
• - Apply the 5 C’s of credit in underwriting
• - Identify early warning signals and manage
lending risks
• - Implement effective loan and portfolio
management
• - Analyze and manage Non-Performing Loans
(NPLs)
• - Comply with NBE Directive No. SBB/90/24
Training Modules Overview
• I. Credit Appraisal and Process
• II. Credit Risk Management
• III. Early Warning Signals
• IV. NBE Requirements
• V. Loan & Portfolio Management
• VI. NPL/Problem Loan Management
• VII. Credit Analysis (Financial & Non-Financial)
• VIII. Working Capital & Loan Disbursement
• IX. Credit Monitoring & Oversight
Credit Appraisal and Process
• - Definition, purpose, and types of credit
• - Lending principles and eligibility
• - Stages: Appraisal, Monitoring, Administration
Credit Risk Management
• - Understanding and managing credit risk
• - Risk governance and 5 C’s analysis
• - Stress testing and risk identification
Early Warning Signals
• - Loan follow-up: physical, financial, legal
• - Indicators: financial, operational, market,
attitude
Regulatory Framework
• - NBE directives and compliance
• - Credit grading and restructuring limits
Loan & Portfolio Management
• - Credit exposure assessment
• - Credit review and portfolio health metrics
NPL/Problem Loan Management
• - Causes of NPLs: internal/external
• - Strategies: workouts, legal action, write-offs
Credit Analysis
• - Assessing character, conditions, collateral
• - Financial ratios: liquidity, profitability,
leverage
Working Capital & Disbursement
• - Working capital needs analysis
• - Disbursement methods and documentation
Credit Monitoring & Oversight
• - Monitoring exposures and credit reviews
• - Portfolio-level health tracking

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