CREDIT RISK MANAGEMENT
Mitigating Credit Exposure Through Effective Assessment, Monitoring, and Portfolio Control
Course Schedule
| Date | Venue | Fees |
|---|---|---|
| 20 – 21 Feb 2025 | Kuala Lumpur, Malaysia | USD 1995 per delegate |
| 05 – 06 Mar 2025 | Doha, Qatar | USD 1995 per delegate |
| 13 – 14 May 2025 | Dubai, UAE | USD 1995 per delegate |
| 22 – 23 Jul 2025 | Dubai, UAE | USD 1995 per delegate |
Course Introduction
Credit risk is the possibility that a borrower or counterparty will fail to meet their obligations, causing financial loss. As markets become more volatile and clients more diverse, institutions must strengthen their frameworks to measure, monitor, and manage credit exposure across the lifecycle.
This intensive 2-day course equips professionals with the latest tools and techniques to assess borrower risk, structure credit terms, detect early warning signals, and manage credit portfolios effectively. It provides practical insights based on international best practices and regulatory expectations (Basel III/IV, IFRS 9).
Course Objectives
By the end of this course, participants will be able to:
• Understand the components and types of credit risk
• Apply qualitative and quantitative techniques to assess borrower creditworthiness
• Evaluate credit exposure, limits, and risk-adjusted pricing
• Monitor credit performance and detect early warning indicators
• Align credit risk management practices with global regulatory standards
Key Benefits of Attending
• Improve the quality and consistency of credit assessments
• Learn how to minimize defaults, write-offs, and provisioning losses
• Strengthen your organization’s credit portfolio resilience
• Gain clarity on regulatory frameworks, internal ratings, and provisioning
• Support strategic lending, underwriting, and risk-based pricing
Intended Audience
This program is designed for:
• Credit analysts and loan officers
• Risk managers and portfolio managers
• Relationship managers and underwriters
• Finance officers and treasury professionals
• Regulators, auditors, and compliance officers
Individual Benefits
Key competencies that will be developed include:
• Enhanced ability to evaluate counterparty and sectoral risk
• Practical skills in structuring, pricing, and reviewing credit facilities
• Better awareness of default risk triggers and mitigation options
• Proficiency in early warning detection and credit monitoring
• Knowledge of Basel and IFRS implications for credit risk
Organization Benefits
Upon completing the training course, participants will demonstrate:
• Reduced non-performing loans and credit losses
• More effective portfolio diversification and exposure control
• Stronger credit policies and governance
• Improved alignment with risk appetite and capital planning
• Greater stakeholder confidence in credit decision-making
Instructional Methdology
The course follows a blended learning approach combining theory with practice:
• Strategy Briefings – Credit frameworks, models, and policies
• Case Studies – Credit failures, industry sector risk, and counterparty analysis
• Workshops – Credit scoring, limit setting, and credit memo writing
• Peer Exchange – Group discussions on credit challenges and local practices
• Tools – Credit risk scorecards, risk rating templates, early warning checklists
Course Outline
DETAILED 2-DAY COURSE OUTLINE
Training Hours: 07:30 AM – 03:30 PM
Daily Format: 3–4 Learning Modules | Coffee breaks: 09:30 & 11:15 | Lunch Buffet: 01:00 – 02:00
Day 1: Credit Risk Assessment and Exposure Analysis
Module 1: Introduction to Credit Risk (07:30 – 09:30)
• Definition, sources, and types of credit risk
• The role of credit risk in enterprise risk management
• Credit cycle and risk triggers
Module 2: Credit Analysis Techniques (09:45 – 11:15)
• Qualitative assessment: management, market, and strategy
• Financial ratio analysis: liquidity, leverage, profitability
• Industry and sectoral risk considerations
Module 3: Credit Scoring and Risk Rating Models (11:30 – 01:00)
• Internal risk ratings vs. external ratings
• Scorecards and rating factors
• Linking ratings to pricing and provisioning
Module 4: Workshop – Credit Risk Evaluation (02:00 – 03:30)
• Team-based borrower assessment and rating
Day 2: Credit Structuring, Monitoring, and Regulation
Module 1: Structuring Credit and Mitigating Risk (07:30 – 09:30)
• Credit terms, covenants, and collateral
• Credit limits and exposure controls
• Pricing for risk and return
Module 2: Credit Monitoring and Early Warning Systems (09:45 – 11:15)
• Performance tracking and red flags
• Early warning indicators and credit watchlists
• Problem credit management
Module 3: Regulatory and Accounting Considerations (11:30 – 01:00)
• Basel III/IV capital treatment for credit risk
• Expected credit loss models under IFRS 9
• Stress testing credit portfolios
Module 4: Workshop – Credit Memo and Portfolio Review (02:00 – 03:30)
• Create a sample credit memo
• Group discussion of monitoring strategies
Certification
Participants will receive a Certificate of Completion in Credit Risk Management, validating their ability to identify, assess, and control credit exposure while aligning with international risk management and regulatory frameworks.