Develop practical judgement across the credit lifecycle in Ghana: borrower assessment, financial and cash-flow analysis, facility structure, credit monitoring, problem loans and responsible recovery.
What you will be able to do
- Assess repayment capacity using financial statements and cash-flow information.
- Identify borrower, facility and portfolio risks and explain early-warning signals.
- Recommend proportionate facility terms, security, approval conditions and monitoring actions.
- Compare restructuring and recovery options and document an ethical recovery strategy.
- Apply relevant Ghanaian regulatory, confidentiality and governance considerations to fictional banking cases.
Audience and entry level
For credit officers, analysts, relationship managers, risk and recovery teams, branch managers and rural, community and microfinance practitioners. No formal prerequisite qualification is required. Basic banking, accounting and arithmetic are helpful. Internet access and a computer, tablet or smartphone are required.
Duration and professional development
Indicative study time: 48 hours, including reading, exercises and assessment. Study at your own pace. These are estimated learning hours; no externally accredited CPD hours or regulatory endorsement are claimed.
Modules
- Foundations of credit analysis and credit risk
- Credit assessment and borrower analysis
- Financial analysis and credit decision-making
- Credit structuring, approval and documentation
- Credit monitoring, early warning, classification and problem loans
- Debt collection and recovery strategy
- Professional communication and negotiation
- Legal, regulatory, ethical and data-protection requirements
- Credit portfolio management and governance
Assessment and certificate
Complete the lesson activities, module knowledge checks, required written capstone and final competency assessment. The final knowledge assessment pass mark is 70%; the current LMS permits up to 10 attempts. Individual module thresholds are shown before each quiz. Follow the enrolled learner instructions for written-work submission and evaluation.
An S.V. Crown Academy certificate of completion is available only when the recorded requirements for this course have been satisfied. It is not a professional licence or evidence of external accreditation. Existing earned certificates and learner records are preserved.
Fee and access
Course fees vary and are confirmed after registration and before enrolment. A learner account and course enrolment are required for lessons and assessments. Learners have six months’ access from enrolment to complete the course. Under the Academy’s stated policy, fees are not refunded once a learner starts the course. Obtain the written course terms before payment.
Trainer and learner support
Delivered by S.V. Crown Academy. Contact info@svcrownltd.com or +233 20 887 7675 for the assigned trainer, support and team-training arrangements where applicable.