The ability to accurately assess credit risk remains one of the most important competencies within financial institutions. Poor credit decisions contribute directly to loan losses, increased provisioning requirements, reduced profitability, and regulatory scrutiny.

This practical programme equips lending professionals with the analytical tools, frameworks, and judgment skills necessary to evaluate borrowers, structure loan facilities, identify risks, and make sound lending recommendations.

Participants will learn how to analyse financial statements, assess repayment capacity, identify early warning signals, evaluate collateral, conduct cash flow analysis, perform industry assessments, and prepare professional credit proposals.

The programme incorporates Caribbean lending examples, practical exercises, case studies, and real-world credit committee simulations.