| Location | Duration | Kenyan Cost | Non-Kenyan Cost | Upcoming Schedules |
|---|---|---|---|---|
| Nairobi, Kenya | 5 Days | KES 115,000 | USD 1,500 | Enroll |
| Kigali, Rwanda | 5 Days | USD 1,900 | USD 1,900 | Enroll |
| Kampala, Uganda | 5 Days | USD 1,900 | USD 1,900 | Enroll |
| Dar es Salaam, Tanzania | 5 Days | USD 2,000 | USD 2,000 | Enroll |
| Dubai, UAE | 5 Days | USD 3,900 | USD 3,900 | Enroll |
| Abuja, Nigeria | 5 Days | USD 4,000 | USD 4,000 | Enroll |
| Accra, Ghana | 5 Days | USD 4,000 | USD 4,000 | Enroll |
| Pretoria, South Africa | 5 Days | USD 3,900 | USD 3,900 | Enroll |
| Start & End Date | Duration | Kenyan Cost | Non-Kenyan Cost | Enroll | |
|---|---|---|---|---|---|
| Sep 14āSep 22, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Sep 28āOct 06, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Oct 12āOct 20, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Oct 26āNov 03, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Nov 09āNov 17, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Nov 23āDec 01, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Dec 07āDec 15, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Dec 21āDec 29, 2026 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Jan 04āJan 12, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Jan 18āJan 26, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Feb 01āFeb 09, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Feb 15āFeb 23, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Mar 01āMar 09, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Mar 15āMar 23, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Mar 29āApr 06, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Apr 12āApr 20, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Apr 26āMay 04, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| May 10āMay 18, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| May 24āJun 01, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Jun 07āJun 15, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Jun 21āJun 29, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Jul 05āJul 13, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
| Jul 19āJul 27, 2027 | 7 Days | KES 90,000 | USD 1,000 | Register | |
About the Course
Financial statements are the cornerstone of credit assessment and risk management. For credit reference bureaus and financial institutions, the ability to accurately review, interpret, and analyze these statements is critical to making informed lending and portfolio decisions. This intensive one-week course blends theory with hands-on practice, equipping participants with the tools and techniques to evaluate corporate financial health and support credit decisions.
Target Participants
This course is ideal for professionals who play a vital role in assessing and managing credit risk, including analysts and officers at credit reference bureaus, credit risk and relationship managers at banks and microfinance institutions, compliance and audit staff within financial institutions, and portfolio monitoring and recovery officers.
Course Duration
- Classroom ā 5 Days
- Online ā 7 Days
What You Will Learn
By the end of this course the participants will be able to:
- Navigate and dissect the key components of financial statements (balance sheet, income statement, cash flow)
- Compute and interpret critical financial ratios for credit analysis
- Identify red flags and non-standard adjustments in reported figures
- Apply standardized frameworks for credit scoring and risk grading
- Prepare concise, actionable credit analysis reports
Course Outline
Financial Reporting Frameworks
- Purpose and primary users of financial statements
- IFRS vs. GAAP: key differences and implications
- Regulatory disclosures and compliance requirements
Balance Sheet Analysis
- Asset classification, valuation methods and impairment
- Liability structuring: current vs. non-current and off-balance-sheet items
- Equity and reserve movements
Income Statement Analysis
- Revenue recognition methods and timing
- Expense categorization and cost behavior
- Profitability metrics: gross, operating and net margins
Cash Flow Statement Analysis
- Operating cash flows and reconciliation to profit
- Investing cash flows: capex, acquisitions and disposals
- Financing cash flows: debt, equity and dividends
Financial Ratio Analysis
- Liquidity Ratios: current, quick and cash ratios
- Solvency Ratios: debt-to-equity, interest coverage
- Efficiency Ratios: asset turnover, working-capital cycle
- Profitability Ratios: return on assets (ROA), return on equity (ROE)
Trend & Comparative Analysis
- Horizontal (year-on-year) trend comparisons
- Vertical (common-size) statement benchmarking
- Peer-group and industry benchmarks
Earnings Quality & Red Flags
- One-off items, restatements and related-party transactions
- Off-balance-sheet exposures and contingencies
- Fraud indicators: revenue manipulation, inventory and receivables anomalies
Credit Assessment Frameworks
- Designing a financial credit scorecard: inputs, weightings and qualitative overlays
- Stress-testing and scenario-based analysis (interest rates, FX, commodity prices)
- Sector-specific adjustments: manufacturing, services, agriculture
Data Quality & Validation
- Source Verification: Audited financials, management accounts, and public filings
- Data Consistency Checks: Cross-statement reconciliations and range validations
- Handling Missing or Incomplete Data: Imputation techniques and follow-up procedures
- Error Detection & Correction: Automated rule-based flags and manual review workflows
- Audit Trails & Documentation: Logging changes, version control, and governance policies
Reporting & Communication
- Structuring a credit analysis report: executive summary, risk highlights, recommendations
- Effective data visualization and storytelling for credit committees
- Crafting actionable next-steps and monitoring plans
Training Approach
This course is delivered by our seasoned trainers who have vast experience as expert professionals in their respective fields of practice. The course is taught through a mix of practical activities, presentations, group works and case studies.
Training notes and additional reference materials are provided to the participants.
Certification
Upon successful completion of this course, participants will be issued a certificate.
Tailor-Made Course
We can also do this as a tailor-made course to meet organization-wide needs.
