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Bank Credit Analysis and Corporate Lending Assessment

Understanding how banks assess borrowers helps both lenders and corporate finance teams structure fundable deals. This course teaches the credit analysis process from financial spreading and ratio analysis to cash flow lending and covenant design. Examples reflect African corporate and mid market borrowers, including seasonal and commodity linked businesses.

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Register for this course

What you will be able to do

  • Spread and analyse borrower financial statements for credit decisions.
  • Assess repayment capacity through cash flow based lending analysis.
  • Evaluate management, industry and business risk qualitatively.
  • Structure facilities, covenants and security to mitigate credit risk.
  • Grade credit risk and price lending accordingly.
  • Write a clear, defensible credit assessment memorandum.

Course outline

  1. 01The credit assessment process
  2. 02Financial spreading and ratios
  3. 03Cash flow based lending
  4. 04Qualitative and industry risk
  5. 05Facility structuring and covenants
  6. 06Security and collateral basics
  7. 07Risk grading and pricing
  8. 08Writing the credit memorandum

Who should attend

Credit analysts, relationship and business bankers, and corporate finance staff who assess or prepare corporate lending applications.

Dates, venues and fees

DatesVenueDaysFeeCalendarRegister
28 Sep to 2 Oct 2026Dubai5US$1,800Closed
5 to 9 Oct 2026Johannesburg5R18,000Register
12 to 16 Oct 2026Cape Town5R18,000Register
19 to 23 Oct 2026Durban5R18,000Register
26 to 30 Oct 2026Pretoria5R18,000Register
2 to 6 Nov 2026Nairobi5US$1,800Register
9 to 13 Nov 2026Dar es Salaam5US$1,800Register
16 to 20 Nov 2026Lusaka5US$1,800Register
23 to 27 Nov 2026Harare5US$1,800Register
30 Nov to 4 Dec 2026Accra5US$1,800Register
7 to 11 Dec 2026Lagos5US$1,800Register

Fees are per delegate. South African venues are priced in rand; other locations and online in US dollars. Fees exclude 15% VAT where applicable. Group bookings of three or more delegates from the same organisation qualify for a reduced rate; contact us for a quotation.

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