Credit Risk Fundamentals and Borrower Assessment Course

Name: Credit Risk Fundamentals and Borrower Assessment Training Course
Availability: InStock

Build a traceable borrower assessment from repayment evidence, financial analysis, risk rating, facility terms, collateral, and monitoring.

Credit Risk Fundamentals and Borrower Assessment Course

At a glance

Duration: 1 Week
Format: Classroom
Cities: Jakarta, Barcelona, Madrid, Rome, Vienna, Muscat and more
Next session: 2 – 6 November 2026, Jakarta
Average fee: 5,750 €

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Credit Risk Fundamentals and Borrower Assessment Training Course

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Overview

Credit Risk Fundamentals and Borrower Assessment Training Course is a one-week foundation course for credit, lending, finance, risk, collections, relationship, and control professionals who leave with a Borrower Credit Assessment File. Participants connect repayment capacity, financial and qualitative evidence, risk ratings, facility structure, collateral, monitoring, and escalation. The course turns scattered borrower information into a traceable credit recommendation. Agile Leaders Training Center presents credit risk fundamentals and borrower assessment as one decision process.

Who Should Attend

Credit-analysis functions responsible for borrower evidence, repayment capacity, ratings, and recommendations
Lending functions responsible for origination, facility structure, terms, and approval submissions
Relationship functions responsible for client information, business context, and continuing account contact
Risk and control functions responsible for policy, limits, independent review, and decision governance
Collections and remedial functions responsible for warning signs, watchlists, and corrective action
Finance functions responsible for statements, cash-flow forecasts, provisions, and exposure reporting

The course assumes participants can read basic financial statements or support credit decisions at work and leaves out advanced portfolio modeling, instrument pricing, legal opinions, and jurisdiction-specific lending rules.

Departments and Industries

The course supports borrower credit assessment and monitoring across:

Credit, lending, risk, relationship management, finance, collections, and internal-control departments
Banks, finance companies, insurers, investment organizations, and trade-credit providers
Manufacturing, distribution, construction, logistics, technology, and professional-services organizations
Corporate groups, project businesses, leasing operations, and supplier-finance functions
Small-business, commercial, institutional, and counterparty credit activities

Learning Objectives

By the end of this course, participants will be able to:

Apply the credit life cycle and governance roles
Analyze borrower purpose, repayment sources, and business risks
Use financial ratios and cash-flow scenarios in credit analysis
Build a borrower risk rating and exposure view
Evaluate facility structure, covenants, collateral, and guarantees
Diagnose early-warning indicators and prioritize monitoring action

Course Agenda

Day 1: Credit Risk Foundations

Credit Life-Cycle and Decision-Governance Map
Borrower, Counterparty, and Facility Risk Framework
Credit Policy, Risk Appetite, and Authority Matrix
Purpose, Repayment Source, and Exposure Classification
Credit File Evidence and Decision-Audit Trail

Day 2: Borrower Assessment

Business Model and Sector Risk Profile
Management, Ownership, and Qualitative Assessment Grid
Financial Statement Quality and Trend Checklist
Profitability, Leverage, Liquidity, and Coverage Ratio Set
Cash-Flow Forecast and Repayment-Capacity Scenario

Day 3: Rating and Credit Decision

Internal Risk Rating Scorecard and Override Rules
Probability of Default, Loss, and Exposure Concepts
IFRS 9 Expected Credit Loss Logic
Facility Structure, Tenor, and Covenant Design Matrix
Collateral, Guarantee, and Residual-Risk Assessment

Day 4: Monitoring and Early Warning

Borrower Review Calendar and Information Checklist
Covenant, Payment, and Collateral Monitoring Dashboard
Financial, Behavioral, External, and Operational Warning Indicators
Watchlist Entry and Risk-Grade Migration Criteria
Exception, Escalation, and Corrective-Action Workflow

Day 5: Credit Assessment Practice

Suggested Exercise: Map a Borrower Credit Life Cycle
Suggested Exercise: Analyze Financial and Qualitative Evidence
Suggested Exercise: Build a Risk Rating and Facility Structure
Suggested Exercise: Diagnose Warning Indicators and Monitoring Actions
Capstone Exercise: Borrower Credit Assessment File

Practical Exercises

The course uses suggested activities to practice credit-risk decisions:

Suggested activity: identify purpose, repayment sources, information gaps, business risks, and decision responsibilities for a borrower request
Suggested activity: calculate selected ratios, test cash-flow assumptions, and explain the effect on repayment capacity
Suggested activity: compare facility terms, covenants, collateral, guarantees, risk grades, and approval conditions
Suggested activity: convert financial, behavioral, external, and operational warning signs into watchlist and escalation actions

FAQs

Who does credit risk fundamentals and borrower assessment training suit, and what does it assume?

Credit risk fundamentals and borrower assessment training suits professionals who support credit analysis, lending, finance, relationships, monitoring, collections, or control and assumes basic familiarity with financial statements or workplace credit information.

How does credit risk fundamentals training differ from advanced credit modeling training?

Credit risk fundamentals training builds the practical borrower-assessment, rating, facility, collateral, monitoring, and recommendation workflow, while advanced credit modeling training focuses more deeply on statistical estimation and portfolio analytics.

What evidence belongs in a borrower credit assessment?

A borrower credit assessment should connect credit purpose, repayment sources, management and ownership, business and sector conditions, financial trends, forecast cash flow, existing exposure, facility terms, covenants, collateral, guarantees, and information reliability.

How should collateral affect a borrower credit decision?

Collateral should mitigate loss after repayment capacity has been assessed; it should be evaluated for value, enforceability, realization, volatility, coverage, and monitoring needs rather than used as a substitute for borrower analysis.

How do early-warning indicators support credit risk monitoring?

Early-warning indicators support credit monitoring by identifying financial, payment, behavioral, external, operational, covenant, or collateral deterioration early enough for review, risk-grade change, watchlist entry, escalation, or corrective action.

Conclusion

Participants take back a Borrower Credit Assessment File containing a credit-purpose map, qualitative review, financial analysis, cash-flow scenario, risk rating, facility structure, collateral assessment, and monitoring plan. The file makes evidence, assumptions, conditions, and decisions traceable. It helps teams form consistent recommendations and respond earlier when credit quality changes.

credits: 5 credit per day

Course Mode: full-time

Provider: Agile Leaders Training Center

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Frequently asked questions

What does this course cover?

OverviewCredit Risk Fundamentals and Borrower Assessment Training Course is a one-week foundation course for credit, lending, finance, risk, collections, relationship, and control professionals who leave with a Borrower Credit Assessment File. Participants connect repayment capacity, financial and qualitative evidence, risk ratings, facility structure, co…

Are training dates available?

Yes. Available dates and destinations are listed in the course dates section on this page.

How can I register?

Choose an available date on this page and complete the registration form, or send a programme enquiry.

Can I download the course brochure?

Yes. Use the brochure download link provided on this page.

Credit Risk Fundamentals and Borrower Assessment Course