Introduction

In today’s dynamic financial landscape, credit underwriting excellence, risk-based lending, and data-driven decision-making are critical competencies for banking professionals. Credit Underwriting for Banks Training Course is designed to equip participants with advanced knowledge in credit risk assessment, financial statement analysis, borrower due diligence, and regulatory compliance frameworks. With increasing pressure from Basel III/IV regulations, IFRS 9 standards, and evolving credit risk modeling techniques, banks must strengthen their underwriting capabilities to ensure portfolio quality, profitability, and sustainable growth.

This course integrates practical underwriting methodologies, AI-driven credit analytics, and real-world case studies to enhance participants’ ability to evaluate creditworthiness across corporate, SME, and retail segments. Participants will gain hands-on exposure to credit scoring models, risk rating systems, cash flow analysis, and loan structuring techniques, enabling them to make informed lending decisions while mitigating default risk and ensuring regulatory compliance.

Programme Curriculum

Credit Underwriting for Banks Training Course

Introduction

Course Duration

5 days

Course Objectives

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

Apply advanced credit underwriting frameworks in modern banking
Conduct comprehensive financial statement analysis for lending decisions
Evaluate borrower creditworthiness using data-driven models
Implement risk-based pricing strategies in loan structuring
Analyze cash flow forecasting and debt servicing capacity
Utilize AI and machine learning in credit risk assessment
Develop internal credit rating systems (IRB approaches)
Ensure compliance with Basel III/IV and IFRS 9 regulations
Identify and mitigate credit risk exposure and concentration risk
Perform industry and sectoral risk analysis
Strengthen loan documentation and covenant structuring
Enhance early warning systems and credit monitoring techniques
Improve portfolio risk management and credit decision governance

Target Audience

Credit Analysts and Credit Officers
Risk Management Professionals
Corporate and SME Banking Officers
Loan Approval and Underwriting Teams
Relationship Managers
Internal Auditors and Compliance Officers
Banking Regulators and Supervisors
Finance and Investment Professionals

Course Modules

Module 1: Fundamentals of Credit Underwriting

Principles of credit risk assessment
Key components of underwriting decisions
Credit lifecycle in banking
Risk-return trade-off concepts
Case Study: Evaluating a corporate loan application

Module 2: Financial Statement Analysis

Income statement and balance sheet analysis
Ratio analysis and trend evaluation
Cash flow statement interpretation
Profitability and liquidity metrics
Case Study: Identifying financial red flags in a borrower

Module 3: Credit Risk Assessment Models

Credit scoring models and tools
Internal rating systems (IRB approach)
Probability of default (PD), LGD, EAD
Behavioral and application scoring
Case Study: Building a credit scoring model

Module 4: Borrower Due Diligence & KYC

Know Your Customer (KYC) best practices
AML and fraud risk considerations
Business and industry analysis
Management evaluation techniques
Case Study: Detecting hidden borrower risks

Module 5: Loan Structuring & Documentation

Structuring loans based on risk profile
Collateral evaluation and security structuring
Loan covenants and legal documentation
Risk-based pricing strategies
Case Study: Structuring a secured vs unsecured loan

Module 6: Regulatory Framework & Compliance

Basel III/IV requirements
IFRS 9 expected credit loss (ECL)
Regulatory capital and provisioning
Compliance risk in underwriting
Case Study: Impact of IFRS 9 on loan provisioning

Module 7: Credit Monitoring & Early Warning Systems

Post-disbursement monitoring
Early warning indicators (EWI)
Portfolio stress testing
Credit review and audit processes
Case Study: Managing a deteriorating loan account

Module 8: Digital Transformation in Credit Underwriting

AI and machine learning in lending
Big data analytics for credit decisions
Fintech and alternative credit scoring
Automation in underwriting processes
Case Study: Digital lending platform implementation

Training Methodology

Interactive lectures and presentations.
Group discussions and brainstorming sessions.
Hands-on exercises using real-world datasets.
Role-playing and scenario-based simulations.
Analysis of case studies to bridge theory and practice.
Peer-to-peer learning and networking.
Expert-led Q&A sessions.
Continuous feedback and personalized guidance.

Register as a group from 3 participants for a Discount

Send us an email: info@fineskilltrainingcenter.org or call +254769199797

Certification

Upon successful completion of this training, participants will be issued with a globally- recognized certificate.

Tailor-Made Course

We also offer tailor-made courses based on your needs.

Key Notes

a. The participant must be conversant with English.

b. Upon completion of training the participant will be issued with an Authorized Training Certificate

c. Course duration is flexible and the contents can be modified to fit any number of days.

d. The course fee includes facilitation training materials, 2 coffee breaks, buffet lunch and A Certificate upon successful completion of Training.

e. One-year post-training support Consultation and Coaching provided after the course.

f. Payment should be done at least a week before commence of the training, to Fineskill Training Center account, as indicated in the invoice so as to enable us prepare better for you.

Skills & Software Covered

Credit Underwriting Risk Assessment Loan Analysis Credit Decisioning

Programme Fee

Duration: 5 Days

Method: Online or Physical

Online Price: $1,000

Physical Price: $1,500

Certification: Accredited Certificate

View Available Dates 📄 Download Course Outline (PDF)

Available Sessions

Location

Month

Year

Oct 26 2026

26 Oct — 30 Oct 2026

💻 Online / Virtual session

Online $1,000