Analyze and Manage Credit Risk in Banking

About this course

Analyze the foundations of credit risk in banking, evaluate borrower creditworthiness using structured appraisal techniques, compute expected credit losses using risk measurement frameworks, and assess advanced credit risk mitigation instruments in complex banking environments. This course equips learners with practical, industry-relevant knowledge to identify, measure, monitor, and manage credit risk across lending portfolios. Participants will explore causes of credit deterioration, regulatory perspectives, asset classification, non-performing assets (NPAs), and the financial impact of weak credit controls. The course further develops analytical skills in probability of default, loss estimation, exposure assessment, and credit evaluation processes. What makes this course unique is its structured progression from foundational credit risk concepts to advanced applications such as off-balance sheet exposures, investment banking risk, and credit risk mitigation tools including collateral, guarantees, and credit derivatives. By completing this course, learners will strengthen their ability to make informed credit decisions, enhance portfolio quality, and apply practical risk management strategies aligned with modern banking practices.

Course objectives

• to understand foundational credit risk concepts
• to apply structured appraisal techniques
• to develop analytical skills in credit evaluation
• to implement practical risk management strategies