Small and medium enterprises are the backbone of every economy, and lending to them well requires understanding their unique needs, risks, and potential. This program equips participants with practical commercial and SME lending skills, covering how to assess, structure, and manage lending to small and medium businesses profitably and prudently.
As SME finance remains a vital and growing market, professionals skilled in SME lending are highly valued across banking. This course combines SME credit assessment with lending practice and introduces emerging trends in digital and data-driven SME lending.
Course Objectives
Upon the successful completion of this program, attendees will be able to:
- Understand commercial and SME lending concepts
- Understand SME characteristics and needs
- Apply SME credit assessment
- Analyse SME financial statements
- Assess SME cash flow and repayment
- Apply SME risk evaluation
- Structure SME loan facilities
- Apply SME working capital finance
- Apply collateral and security for SMEs
- Price SME lending
- Prepare SME credit proposals
- Monitor SME loans
- Manage SME problem loans
- Apply SME lending products
- Support SME relationship management
- Apply emerging trends in digital SME lending
Course Outline
- Module 1: Commercial & SME Lending Concepts
- Module 2: SME Characteristics & Needs
- Module 3: SME Credit Assessment
- Module 4: Analysing SME Financial Statements
- Module 5: SME Cash Flow & Repayment
- Module 6: SME Risk Evaluation
- Module 7: Structuring SME Loan Facilities
- Module 8: SME Working Capital Finance
- Module 9: Collateral & Security for SMEs
- Module 10: Pricing SME Lending
- Module 11: SME Credit Proposals
- Module 12: Monitoring SME Loans
- Module 13: Managing SME Problem Loans
- Module 14: SME Lending Products & Relationships
- Module 15: Emerging Trends: Digital & Data-Driven SME Lending
Who Should Attend
This course is intended for credit officers, relationship managers, SME bankers, and lending professionals who want to assess and manage commercial and SME lending. A basic banking or finance foundation is helpful.
Registration & Inquiry
For more details & inquiry, please contact us at:
