Credit & Loan Portfolio Risk Management
Strengthen credit assessment, loan structuring, portfolio monitoring, collections, provisioning and governance for small lenders and credit unions.
What this workshop addresses
For small lenders — credit unions, microfinance institutions, SACCOs, co-operatives and community-based lenders — a single misjudged loan can ripple through an entire portfolio. Credit & Loan Portfolio Risk Management is a practical, high-impact workshop from Blakes' Training Institute that takes participants through the full credit lifecycle: assessing borrowers' capacity and character, structuring loans that match repayment ability, monitoring early-warning signals, and managing delinquency with strategies that recover funds while preserving customer relationships. Through worked case studies, live portfolio diagnostics and collections role-plays drawn from small-lending practice, participants learn to balance growth with prudence — protecting capital, reducing write-offs, and building a loan book that stands up to board scrutiny, regulatory review and economic shocks.
Recommended participants
- Credit and loan officers responsible for origination, appraisal and approvals; collections and recovery officers; branch and portfolio managers; finance and risk staff responsible for provisioning, portfolio reporting and impairment analysis; board members and credit committee members; and founders and managers of small or emerging lending institutions building credit policies and controls.
Key objectives
- By the end of the workshop, participants will be able to:
- Assess creditworthiness with confidence — apply the 5 Cs of credit, cash-flow analysis, collateral evaluation and scoring approaches suited to small-lender portfolios.
- Structure loans for repayment — match tenor, rate and repayment schedules to borrower capacity and identify structures that heighten risk.
- Monitor portfolio health — build early-warning systems, delinquency dashboards, vintage and ageing analyses.
- Manage delinquency strategically — apply segmentation-based collection strategies ranging from reminders and restructuring to legal action and write-off.
- Provision and report accurately — understand expected credit loss provisioning basics, portfolio classification and reporting expectations.
- Strengthen credit governance — embed credit policies, approval limits, segregation of duties and portfolio reviews that keep risk-taking disciplined and documented.
Key measurable KPIs after training
- 90%+ of participants pass the post-workshop credit-risk assessment (target score: 80%+)
- Reduction in portfolio delinquency and PAR30/PAR90 ratios within two quarters
- Improved collections effectiveness — higher cure rates and more arrears accounts brought current within 30/60/90 days
- Reduced loan write-offs and provisioning costs quarter over quarter
- Faster, better-documented loan appraisals with complete, consistent credit files
- Higher portfolio quality scores on internal audits and regulatory examinations
- Sustained application through quarterly portfolio reviews, refresher quizzes and credit-committee case presentations
How best to use this training
Train loan officers, collections teams and credit committee members together so they use one common risk language and toolset. Schedule the programme before portfolio reviews, new product launches or changes in lending limits. Apply the diagnostic methods to the institution's own loan book during the session, then track PAR, cure and write-off metrics monthly against the pre-training baseline. Pair the programme with a credit-policy refresh and update approval limits, provisioning practices and escalation procedures within 60 days. Reinforce learning through quarterly credit-committee case reviews and refresher assessments, and retain training and before/after portfolio evidence for boards, regulators and development partners.
Key topics
- 5 Cs of credit
- Cash-flow analysis
- Collateral evaluation
- Credit scoring
- Loan structuring
- Repayment capacity
- Early-warning indicators
- Portfolio at Risk (PAR)
- PAR30 and PAR90
- Delinquency dashboards
- Vintage analysis
- Ageing analysis
- Collections segmentation
- Restructuring
- Recovery and legal escalation
- Write-off
- Expected credit loss basics
- Provisioning
- Portfolio classification
- Credit policy
- Approval limits
- Segregation of duties
- Credit committee governance