SME & Credit Risk Solutions for Banks Masterclass
We provide platform for Public training, In-house, to all clients and individual who seek to learn and educate.
Course Overview
Small and medium enterprises are the backbone of African economies — accounting for over 90% of businesses, driving the majority of employment, and underpinning economic transformation across the continent. Yet for commercial banks, development finance institutions, and microfinance providers, SME lending remains one of the most technically demanding and commercially significant segments of any credit portfolio.
Our masterclass delivers an integrated, end-to-end SME credit risk curriculum specifically designed for African banking professionals. The training covers the complete SME credit lifecycle — from credit origination, financial analysis, loan structuring, portfolio monitoring, early warning systems, restructuring, collections, recoveries, governance, IFRS 9 implications, data analytics, digital lending risks, and customer-centric collections practices. Participants will gain practical tools, frameworks, case studies, and portfolio management techniques that can immediately be implemented within their institutions.
BENEFITS OF ATTENDING
- Strengthen SME credit assessment and underwriting practices
- Apply cash flow-based lending methodologies
- Improve risk identification and portfolio monitoring capabilities
- Reduce SME default rates and portfolio deterioration
- Implement effective collections and recovery strategies
- Conduct sector-specific SME credit analysis
- Strengthen credit governance and risk culture
- Understand IFRS 9 implications for SME portfolios
- Utilize portfolio analytics for better decision-making
- Manage digital lending and fintech-related credit risks
Key Challenges Addressed
▸ Over-reliance on collateral rather than cash flow analysis — masking true repayment capacity risk in SME portfolios
▸ Inability to assess SME creditworthiness accurately when financial statements are absent, incomplete, or informally prepared
▸ High NPL ratios driven by weak early warning systems and reactive (rather than proactive) monitoring of distress signals
▸ Limited capacity for sector-specific risk analysis: agribusiness, trade, manufacturing, and services SMEs in African markets
▸ Ineffective problem loan and restructuring strategies — poor recovery rates and inadequate root cause analysis of SME default
▸ Collections and recovery functions operating without structured portfolio segmentation, legal frameworks, or borrower engagement protocols
▸ Weak credit governance: inconsistent approval frameworks, delegation of authority gaps, policy breaches, and poor documentation
▸ Insufficient integration of IFRS 9 expected credit loss (ECL) staging and provisioning into SME portfolio management
▸ Absence of data-driven portfolio analytics: limited use of PAR, vintage analysis, and collections performance metrics
▸ Inadequate controls over digital SME lending: fraud risk, over-indebtedness, and collections in digital environments
▸ Collections practices that are non-compliant, reputationally damaging, or misaligned with regulatory and ethical expectations
WHO SHOULD ATTEND
This training course is ideal for:
- SME Relationship Managers & Business Bankers
- Credit Analysts & Loan Officers
- SME Credit Risk Officers & Underwriters
- Microfinance & Development Finance Practitioners
- Collections & Recoveries Managers
- Problem Loan / Workout Officers
- Commercial & Corporate Banking Teams
- Internal Auditors & Credit Review Specialists
- Branch Managers & SME Portfolio Managers
- Risk Managers & Credit Risk Professionals
- Head of SME Banking
- Head of Credit
- Senior / Executive Management
- Agribusiness & Trade Finance Officers
- IFRS 9
- Basel III Project Managers
- DFI & Development Bank Credit Officers
- Digital Lending & Fintech
- Risk Professionals
IN-HOUSE
Our Tailored Learning Offering
Do you have five or more people interested in attending this course? Do you want to tailor it to meet your company’s exact requirements? If you’d like to do either of these, we can bring this course to your company’s office by offering our classroom program or LIVE Online. You could even save up to 50% on the cost of sending delegates to a public course and dramatically increase your ROI.
Top Quality
From the Boardroom to the front line, we can deliver engaging, multi-faceted learning programmes that will nurture the skills needed to fast-track development and enable teams to flourish.
Best Way
We combine the right blend of formal, informal, online and classroom techniques to increase your employees’ knowledge retention, drive collaboration, and create social learning communities.
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Amazing Experience
"We worked with BIZENIUS for our Fresh Graduates Program thru one of our clients. I must say that they are simply amazing. At each step of the sessions, Knowledge Transfer and Practical Learning were emphasized upon, with daily evaluations to verify learning. Happy to say that we are so happy that our partners chose BIZENIUS to deliver this critical session for us. Looking to work together in future."
Sustainable Relationship with BIZENIUS
“It is always a pleasure to work with BIZENIUS. We have been partnering with BIZENIUS since 2016 and we see improvements with each session. The courses are highly Interactive, and their lecturer’s makes it easy to understand the materials. We look forward to working with BIZENIUS on a variety of courses. We are happy with the way this relationship has evolved.”
Practical Approach, Hand on Learning.
“BIZENIUS organized NEBOSH Oil and Gas Certificate for us. The sessions in the preparatory training were well complimented with real life case studies and practical examples. We enjoyed the 5 days training session leading up to the examination. Everything was organized with meticulous details to ensure a great learning experience and success at the examination. Thank you.”
Relevant and Well Organized.
“The training was very well organized. The content was very relevant to my role. The interactive discussion was encouraged, and the trainer was also very knowledgeable of the subject matter. I would recommend this training to all who are involved at some stage of Risk, ICAAP or ILAAP.”
