SME Credit Risk Assessment and Loan Structuring Training Course Tech For Development (T4D)

Need Help?

Free Courses Researchers

SME Credit Risk Assessment and Loan Structuring Training Course

Foundation | 5 days | Face to Face / Online / Elearning | Certificate

Course Overview

Course Summary

Course Title	SME Credit Risk Assessment and Loan Structuring Training Course
Organization	Tech For Development (T4D)
Venue	Tech For Development (T4D) Training Centre
Duration	5 days
Target Industries
Target Job Roles
Course Fees (Face-to-Face)	USD 1,500/KES 99,000 (Exclusive of VAT)
Course Fees (Virtual)	USD 1,000/KES 70,000 (Exclusive of VAT)
Training Modes	Virtual and face-to-face training
Payment	Payment should be made to the Tech For Development (T4D) bank account on or before the start of the course
Accreditation	Tech For Development Certificate of Course Completion

Course Overview:

This course provides finance professionals and SME lenders with specialized knowledge in evaluating SME creditworthiness and structuring loan products that balance risk with access to finance. It addresses common credit risks in SME lending and introduces modern approaches for risk mitigation and loan performance enhancement.

Course Duration:

5 Days

Target Audience:

SME credit officers and relationship managers
Loan and credit analysts in banks and MFIs
Financial consultants and SME advisors
Risk management officers
Development finance institution staff

Personal Impact:

Gain technical skills in SME credit analysis and scoring
Learn to assess cash flow-based lending approaches
Improve ability to structure loans that meet SME and institutional needs
Acquire knowledge of early warning signs of default and mitigation tools

Organizational Impact:

Better quality SME loan portfolios with reduced NPLs
Enhanced risk assessment frameworks for SME lending
Improved lending procedures tailored to SME realities
Increased SME access to appropriately structured credit

Course Objectives:

Equip participants with practical tools for SME credit analysis
Understand sector-specific risks in SME operations
Build capacity to structure SME loans with clear repayment capacity
Promote effective use of alternative credit information sources
Support development of robust credit risk management systems

Course Modules

Course Modules:

Module 1: Fundamentals of SME Lending and Credit Risk

Characteristics of SME borrowers and financing needs
Challenges and risks unique to SME lending
Overview of SME lending best practices
Workshop: Identify lending risks across different SME sectors
Case Study: Lessons from a failed SME lending program

Module 2: Credit Risk Assessment Tools for SMEs

Qualitative and quantitative assessment techniques
Cash flow analysis vs. traditional collateral-based approaches
Alternative credit scoring using behavioral and digital data
Exercise: Perform a cash flow-based risk assessment on a sample SME
Case Study: Credit scoring model success in a fintech lender

Module 3: SME Financial Statement and Ratio Analysis

Interpreting SME income statements, balance sheets, and cash flows
Key financial ratios: liquidity, profitability, solvency, efficiency
Adjusting for informal bookkeeping and incomplete data
Workshop: Analyze 2 SME financials to assess loan viability
Case Study: Lending to a retail SME with informal records

Module 4: Loan Structuring and Risk Mitigation Techniques

Determining appropriate loan amounts, terms, and security
Risk-based pricing and loan covenants
Using guarantees, co-signers, and credit insurance
Exercise: Structure a loan for an SME case with moderate risk
Peer Review: Present and defend your loan structure in groups

Module 5: Monitoring, Early Warning Systems, and Recovery

Loan monitoring strategies and follow-up mechanisms
Identifying early signs of repayment distress
Loan restructuring and recovery approaches for SME clients
Simulation: Design a monitoring plan for an SME loan portfolio
Case Study: Turning around a distressed SME loan

Course Administration

Methodology

Instructor-led sessions use a blended learning approach combining presentations, guided practical exercises, web-based tutorials, and group work, delivered by seasoned industry experts. All facilitation and course materials are in English, so participants should be reasonably proficient in the language.

Accreditation

Upon successful completion of this training, participants will be issued a Tech For Development Certificate of Course Completion

Training Venue

The training will be held at the Tech For Development Training Centre. The course fee covers the course tuition, training materials, two break refreshments, and lunch. All participants will additionally cater to their travel expenses, visa application, insurance, and other personal expenses.

Accommodation & Airport Transfer

Arranged upon request.For reservations contact the Training Officer:
Email: [email protected]
Phone: (+254) 790 824 179

Tailor-Made

This training can also be customized to suit the needs of your institution upon request. You can have it delivered in our T4D Training Centre or at a convenient location.

Payment

Payment should be transferred to the T4D account through a bank on or before the start of the course. Send proof of payment to [email protected].

Related Courses

Course Reviews

Based on 0 participant feedback

No reviews yet for this course. Be the first to share your experience!

Write a Course Review

Please share your honest feedback below.

Overall Rating *

5 / 5 (Excellent)

Full Name *

Job Title / Role

Organization

Your Feedback *

Share This Course

Date	Cost
2026 Schedules
Nairobi
23 Nov - 27 Nov	KES 99,000 \| $1,500	Register
14 Dec - 18 Dec	KES 99,000 \| $1,500	Register

Johannesberg
23 Nov - 27 Nov	$3,100	Register
14 Dec - 18 Dec	$3,100	Register

Mombasa
23 Nov - 27 Nov	KES 115,000 \| $1,500	Register
14 Dec - 18 Dec	KES 115,000 \| $1,500	Register

Kigali
23 Nov - 27 Nov	$1,850	Register
14 Dec - 18 Dec	$1,850	Register

Addis Ababa
23 Nov - 27 Nov	$3,100	Register
14 Dec - 18 Dec	$3,100	Register

Kuala Lumpur
23 Nov - 27 Nov	$5,500	Register
14 Dec - 18 Dec	$5,500	Register

Accra
23 Nov - 27 Nov	$3,200	Register
14 Dec - 18 Dec	$3,200	Register

Cairo
23 Nov - 27 Nov	$4,200	Register
14 Dec - 18 Dec	$4,200	Register

Cape Town
23 Nov - 27 Nov	$3,800	Register
14 Dec - 18 Dec	$3,800	Register

Pretoria
23 Nov - 27 Nov	$3,100	Register
14 Dec - 18 Dec	$3,100	Register

Dar es Salaam
23 Nov - 27 Nov	$2,100	Register
14 Dec - 18 Dec	$2,100	Register

Naivasha
23 Nov - 27 Nov	KES 110,000 \| $1,500	Register
14 Dec - 18 Dec	KES 110,000 \| $1,500	Register

Kisumu
23 Nov - 27 Nov	KES 110,000 \| $1,500	Register
14 Dec - 18 Dec	KES 110,000 \| $1,500	Register

Arusha
23 Nov - 27 Nov	$2,100	Register
14 Dec - 18 Dec	$2,100	Register

Machakos
23 Nov - 27 Nov	KES 110,000 \| $1,500	Register
14 Dec - 18 Dec	KES 110,000 \| $1,500	Register

Nakuru
23 Nov - 27 Nov	KES 110,000 \| $1,500	Register
14 Dec - 18 Dec	KES 110,000 \| $1,500	Register

Kampala
23 Nov - 27 Nov	$1,800	Register
14 Dec - 18 Dec	$1,800	Register

Dubai
23 Nov - 27 Nov	$3,900	Register
14 Dec - 18 Dec	$3,900	Register

Zanzibar
23 Nov - 27 Nov	$2,100	Register
14 Dec - 18 Dec	$2,100	Register
2027 Schedules
Dar es Salaam
25 Jan - 29 Jan	$2,100	Register
22 Feb - 26 Feb	$2,100	Register
15 Mar - 19 Mar	$2,100	Register
26 Apr - 30 Apr	$2,100	Register
24 May - 28 May	$2,100	Register
28 Jun - 02 Jul	$2,100	Register
26 Jul - 30 Jul	$2,100	Register
23 Aug - 27 Aug	$2,100	Register
27 Sep - 01 Oct	$2,100	Register
25 Oct - 29 Oct	$2,100	Register
22 Nov - 26 Nov	$2,100	Register
20 Dec - 24 Dec	$2,100	Register

Kigali
25 Jan - 29 Jan	$1,850	Register
22 Feb - 26 Feb	$1,850	Register
15 Mar - 19 Mar	$1,850	Register
26 Apr - 30 Apr	$1,850	Register
24 May - 28 May	$1,850	Register
28 Jun - 02 Jul	$1,850	Register
26 Jul - 30 Jul	$1,850	Register
23 Aug - 27 Aug	$1,850	Register
27 Sep - 01 Oct	$1,850	Register
25 Oct - 29 Oct	$1,850	Register
22 Nov - 26 Nov	$1,850	Register
20 Dec - 24 Dec	$1,850	Register

Addis Ababa
25 Jan - 29 Jan	$3,100	Register
22 Feb - 26 Feb	$3,100	Register
15 Mar - 19 Mar	$3,100	Register
26 Apr - 30 Apr	$3,100	Register
24 May - 28 May	$3,100	Register
28 Jun - 02 Jul	$3,100	Register
26 Jul - 30 Jul	$3,100	Register
23 Aug - 27 Aug	$3,100	Register
27 Sep - 01 Oct	$3,100	Register
25 Oct - 29 Oct	$3,100	Register
22 Nov - 26 Nov	$3,100	Register
20 Dec - 24 Dec	$3,100	Register

Kuala Lumpur
25 Jan - 29 Jan	$5,500	Register
22 Feb - 26 Feb	$5,500	Register
15 Mar - 19 Mar	$5,500	Register
26 Apr - 30 Apr	$5,500	Register
24 May - 28 May	$5,500	Register
28 Jun - 02 Jul	$5,500	Register
26 Jul - 30 Jul	$5,500	Register
23 Aug - 27 Aug	$5,500	Register
27 Sep - 01 Oct	$5,500	Register
25 Oct - 29 Oct	$5,500	Register
22 Nov - 26 Nov	$5,500	Register
20 Dec - 24 Dec	$5,500	Register

Accra
25 Jan - 29 Jan	$3,200	Register
22 Feb - 26 Feb	$3,200	Register
15 Mar - 19 Mar	$3,200	Register
26 Apr - 30 Apr	$3,200	Register
24 May - 28 May	$3,200	Register
28 Jun - 02 Jul	$3,200	Register
26 Jul - 30 Jul	$3,200	Register
23 Aug - 27 Aug	$3,200	Register
27 Sep - 01 Oct	$3,200	Register
25 Oct - 29 Oct	$3,200	Register
22 Nov - 26 Nov	$3,200	Register
20 Dec - 24 Dec	$3,200	Register

Cairo
25 Jan - 29 Jan	$4,200	Register
22 Feb - 26 Feb	$4,200	Register
15 Mar - 19 Mar	$4,200	Register
26 Apr - 30 Apr	$4,200	Register
24 May - 28 May	$4,200	Register
28 Jun - 02 Jul	$4,200	Register
26 Jul - 30 Jul	$4,200	Register
23 Aug - 27 Aug	$4,200	Register
27 Sep - 01 Oct	$4,200	Register
25 Oct - 29 Oct	$4,200	Register
22 Nov - 26 Nov	$4,200	Register
20 Dec - 24 Dec	$4,200	Register

Pretoria
25 Jan - 29 Jan	$3,100	Register
22 Feb - 26 Feb	$3,100	Register
15 Mar - 19 Mar	$3,100	Register
26 Apr - 30 Apr	$3,100	Register
24 May - 28 May	$3,100	Register
28 Jun - 02 Jul	$3,100	Register
26 Jul - 30 Jul	$3,100	Register
23 Aug - 27 Aug	$3,100	Register
27 Sep - 01 Oct	$3,100	Register
25 Oct - 29 Oct	$3,100	Register
22 Nov - 26 Nov	$3,100	Register
20 Dec - 24 Dec	$3,100	Register

Cape Town
25 Jan - 29 Jan	$3,800	Register
22 Feb - 26 Feb	$3,800	Register
15 Mar - 19 Mar	$3,800	Register
26 Apr - 30 Apr	$3,800	Register
24 May - 28 May	$3,800	Register
28 Jun - 02 Jul	$3,800	Register
26 Jul - 30 Jul	$3,800	Register
23 Aug - 27 Aug	$3,800	Register
27 Sep - 01 Oct	$3,800	Register
25 Oct - 29 Oct	$3,800	Register
22 Nov - 26 Nov	$3,800	Register
20 Dec - 24 Dec	$3,800	Register

Johannesberg
25 Jan - 29 Jan	$3,100	Register
22 Feb - 26 Feb	$3,100	Register
15 Mar - 19 Mar	$3,100	Register
26 Apr - 30 Apr	$3,100	Register
24 May - 28 May	$3,100	Register
28 Jun - 02 Jul	$3,100	Register
26 Jul - 30 Jul	$3,100	Register
23 Aug - 27 Aug	$3,100	Register
27 Sep - 01 Oct	$3,100	Register
25 Oct - 29 Oct	$3,100	Register
22 Nov - 26 Nov	$3,100	Register
20 Dec - 24 Dec	$3,100	Register

Zanzibar
25 Jan - 29 Jan	$2,100	Register
22 Feb - 26 Feb	$2,100	Register
15 Mar - 19 Mar	$2,100	Register
26 Apr - 30 Apr	$2,100	Register
24 May - 28 May	$2,100	Register
28 Jun - 02 Jul	$2,100	Register
26 Jul - 30 Jul	$2,100	Register
23 Aug - 27 Aug	$2,100	Register
27 Sep - 01 Oct	$2,100	Register
25 Oct - 29 Oct	$2,100	Register
22 Nov - 26 Nov	$2,100	Register
20 Dec - 24 Dec	$2,100	Register

Arusha
25 Jan - 29 Jan	$2,100	Register
22 Feb - 26 Feb	$2,100	Register
15 Mar - 19 Mar	$2,100	Register
26 Apr - 30 Apr	$2,100	Register
24 May - 28 May	$2,100	Register
28 Jun - 02 Jul	$2,100	Register
26 Jul - 30 Jul	$2,100	Register
23 Aug - 27 Aug	$2,100	Register
27 Sep - 01 Oct	$2,100	Register
25 Oct - 29 Oct	$2,100	Register
22 Nov - 26 Nov	$2,100	Register
20 Dec - 24 Dec	$2,100	Register

Kisumu
25 Jan - 29 Jan	KES 110,000 \| $1,500	Register
22 Feb - 26 Feb	KES 110,000 \| $1,500	Register
15 Mar - 19 Mar	KES 110,000 \| $1,500	Register
26 Apr - 30 Apr	KES 110,000 \| $1,500	Register
24 May - 28 May	KES 110,000 \| $1,500	Register
28 Jun - 02 Jul	KES 110,000 \| $1,500	Register
26 Jul - 30 Jul	KES 110,000 \| $1,500	Register
23 Aug - 27 Aug	KES 110,000 \| $1,500	Register
27 Sep - 01 Oct	KES 110,000 \| $1,500	Register
25 Oct - 29 Oct	KES 110,000 \| $1,500	Register
22 Nov - 26 Nov	KES 110,000 \| $1,500	Register
20 Dec - 24 Dec	KES 110,000 \| $1,500	Register

Dubai
25 Jan - 29 Jan	$3,900	Register
22 Feb - 26 Feb	$3,900	Register
15 Mar - 19 Mar	$3,900	Register
26 Apr - 30 Apr	$3,900	Register
24 May - 28 May	$3,900	Register
28 Jun - 02 Jul	$3,900	Register
26 Jul - 30 Jul	$3,900	Register
23 Aug - 27 Aug	$3,900	Register
27 Sep - 01 Oct	$3,900	Register
25 Oct - 29 Oct	$3,900	Register
22 Nov - 26 Nov	$3,900	Register
20 Dec - 24 Dec	$3,900	Register

Mombasa
25 Jan - 29 Jan	KES 115,000 \| $1,500	Register
22 Feb - 26 Feb	KES 115,000 \| $1,500	Register
15 Mar - 19 Mar	KES 115,000 \| $1,500	Register
26 Apr - 30 Apr	KES 115,000 \| $1,500	Register
24 May - 28 May	KES 115,000 \| $1,500	Register
28 Jun - 02 Jul	KES 115,000 \| $1,500	Register
26 Jul - 30 Jul	KES 115,000 \| $1,500	Register
23 Aug - 27 Aug	KES 115,000 \| $1,500	Register
27 Sep - 01 Oct	KES 115,000 \| $1,500	Register
25 Oct - 29 Oct	KES 115,000 \| $1,500	Register
22 Nov - 26 Nov	KES 115,000 \| $1,500	Register
20 Dec - 24 Dec	KES 115,000 \| $1,500	Register

Nairobi
25 Jan - 29 Jan	KES 99,000 \| $1,500	Register
22 Feb - 26 Feb	KES 99,000 \| $1,500	Register
15 Mar - 19 Mar	KES 99,000 \| $1,500	Register
26 Apr - 30 Apr	KES 99,000 \| $1,500	Register
24 May - 28 May	KES 99,000 \| $1,500	Register
28 Jun - 02 Jul	KES 99,000 \| $1,500	Register
26 Jul - 30 Jul	KES 99,000 \| $1,500	Register
23 Aug - 27 Aug	KES 99,000 \| $1,500	Register
27 Sep - 01 Oct	KES 99,000 \| $1,500	Register
25 Oct - 29 Oct	KES 99,000 \| $1,500	Register
22 Nov - 26 Nov	KES 99,000 \| $1,500	Register
20 Dec - 24 Dec	KES 99,000 \| $1,500	Register

Nakuru
25 Jan - 29 Jan	KES 110,000 \| $1,500	Register
22 Feb - 26 Feb	KES 110,000 \| $1,500	Register
15 Mar - 19 Mar	KES 110,000 \| $1,500	Register
26 Apr - 30 Apr	KES 110,000 \| $1,500	Register
24 May - 28 May	KES 110,000 \| $1,500	Register
28 Jun - 02 Jul	KES 110,000 \| $1,500	Register
26 Jul - 30 Jul	KES 110,000 \| $1,500	Register
23 Aug - 27 Aug	KES 110,000 \| $1,500	Register
27 Sep - 01 Oct	KES 110,000 \| $1,500	Register
25 Oct - 29 Oct	KES 110,000 \| $1,500	Register
22 Nov - 26 Nov	KES 110,000 \| $1,500	Register
20 Dec - 24 Dec	KES 110,000 \| $1,500	Register

Machakos
25 Jan - 29 Jan	KES 110,000 \| $1,500	Register
22 Feb - 26 Feb	KES 110,000 \| $1,500	Register
15 Mar - 19 Mar	KES 110,000 \| $1,500	Register
26 Apr - 30 Apr	KES 110,000 \| $1,500	Register
24 May - 28 May	KES 110,000 \| $1,500	Register
28 Jun - 02 Jul	KES 110,000 \| $1,500	Register
26 Jul - 30 Jul	KES 110,000 \| $1,500	Register
23 Aug - 27 Aug	KES 110,000 \| $1,500	Register
27 Sep - 01 Oct	KES 110,000 \| $1,500	Register
25 Oct - 29 Oct	KES 110,000 \| $1,500	Register
22 Nov - 26 Nov	KES 110,000 \| $1,500	Register
20 Dec - 24 Dec	KES 110,000 \| $1,500	Register

Naivasha
25 Jan - 29 Jan	KES 110,000 \| $1,500	Register
22 Feb - 26 Feb	KES 110,000 \| $1,500	Register
15 Mar - 19 Mar	KES 110,000 \| $1,500	Register
26 Apr - 30 Apr	KES 110,000 \| $1,500	Register
24 May - 28 May	KES 110,000 \| $1,500	Register
28 Jun - 02 Jul	KES 110,000 \| $1,500	Register
26 Jul - 30 Jul	KES 110,000 \| $1,500	Register
23 Aug - 27 Aug	KES 110,000 \| $1,500	Register
27 Sep - 01 Oct	KES 110,000 \| $1,500	Register
25 Oct - 29 Oct	KES 110,000 \| $1,500	Register
22 Nov - 26 Nov	KES 110,000 \| $1,500	Register
20 Dec - 24 Dec	KES 110,000 \| $1,500	Register

Kampala
25 Jan - 29 Jan	$1,800	Register
22 Feb - 26 Feb	$1,800	Register
15 Mar - 19 Mar	$1,800	Register
26 Apr - 30 Apr	$1,800	Register
24 May - 28 May	$1,800	Register
28 Jun - 02 Jul	$1,800	Register
26 Jul - 30 Jul	$1,800	Register
23 Aug - 27 Aug	$1,800	Register
27 Sep - 01 Oct	$1,800	Register
25 Oct - 29 Oct	$1,800	Register
22 Nov - 26 Nov	$1,800	Register
20 Dec - 24 Dec	$1,800	Register

Date & Mode	Cost

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

SME Credit Risk Assessment and Loan Structuring Training Course

Course Overview

Course Overview:

Course Duration:

Target Audience:

Personal Impact:

Organizational Impact:

Course Objectives:

Course Modules

Course Modules:

Course Administration

Methodology

Accreditation

Training Venue

Accommodation & Airport Transfer

Tailor-Made

Payment

Related Courses

Course Reviews

Write a Course Review

Share This Course

Course Inquiry

Customize your Dates of Attendance

Stay Updated

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Learning Pathways

Most requested

Most requested

Most requested

Most requested

Most requested

Most requested

Most requested

Most requested

Most requested

Most requested

SME Credit Risk Assessment and Loan Structuring Training Course

Course Overview

Course Overview:

Course Duration:

Target Audience:

Personal Impact:

Organizational Impact:

Course Objectives:

Course Modules

Course Modules:

Course Administration

Methodology

Accreditation

Training Venue

Accommodation & Airport Transfer

Tailor-Made

Payment

Related Courses

PPP Project Structuring, Risk Allocation, and Contract Management Training Course

Investment Promotion Strategies and Incentives Design Training Course

Inclusive Trade Financing and Impact Investment Models Training Course

Course Reviews

Write a Course Review

Share This Course

Stay Updated