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BIZENIUS
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Credit & Lending

Credit is where banks earn — and where they fail. These programmes cover the full arc of the lending decision: origination and analysis, rating and pricing, portfolio surveillance, and the discipline of problem loans, workouts and recovery.

26 programmes

Request the 2027 training calendar →Run any of these in-house →

NewAI & Machine LearningHybrid

BIZENIUS Banking Academy

AI in Risk Management

AI in risk management training for banks and financial institutions — where machine learning strengthens credit and other risk measurement, how to challenge AI model outputs and explanations, and who is accountable for AI-supported risk decisions.

Dates on request

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NewCredit & LendingHybrid

BIZENIUS Banking Academy

Real Estate & Mortgage Finance

Mortgage lending and real estate finance training for banks — mortgage credit risk, affordability testing, property valuation for lenders, commercial real estate lending risk, product structures and pricing, and the loan-to-value-based risk weights of the Basel III final reforms.

Dates on request

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NewCredit & LendingHybrid

BIZENIUS Banking Academy

Syndicated Lending & Loan Agency

Syndicated lending course for corporate bankers, loan agency, credit and legal teams — syndicate structures and lender roles, facility documentation based on Loan Market Association recommended forms, intercreditor issues and the facility agent’s duties across the life of a syndicated loan.

Dates on request

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NewESG & Sustainable FinanceHybrid

BIZENIUS Banking Academy

Transition Finance for Banks

Transition finance training for banks — corporate and project finance, credit and ESG teams test the credibility of client climate transition plans against the ICMA Climate Transition Finance Handbook, the OECD Guidance on Transition Finance and IFRS S2 disclosures, and weigh financing decisions in high-emitting sectors through case studies.

Dates on request

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NewCredit & LendingHybrid

BIZENIUS Banking Academy

Advanced Credit Risk, Lending, NPL Recovery & Digital Credit Masterclass

The full credit lifecycle in two days — cash-flow-based lending decisions, credit risk models and IFRS 9 ECL, retail and payroll-based credit, NPL management and recovery negotiation, collateral and legal enforcement, digital credit scoring with alternative data, and ESG risk in credit.

Dates on request

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NewDigital TransformationHybrid

BIZENIUS Banking Academy

Transforming Banks Through AI, Digital Innovation, SME Growth & Intelligent Lending

AI and digital investment that shows up in the P&L — four executive questions on revenue, cost, credit and risk, SME banking rebuilt as a growth engine, AI-assisted lending, and a bank-specific 90-day action plan.

Dates on request

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Credit & LendingIn-person

BIZENIUS Banking Academy

Advanced IFRS 9 ECL, Credit Stress Testing & Model Risk Governance Masterclass

A two-day advanced masterclass connecting IFRS 9 staging, forward-looking ECL scenarios, management overlays, credit stress testing, model validation, back-testing and data assurance into one defensible governance framework — protecting provisioning credibility, earnings, capital and supervisory confidence.

Dates on request

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Credit & LendingHybrid

BIZENIUS Banking Academy

SME & Credit Risk Solutions for Banks Masterclass

An integrated, end-to-end SME credit risk masterclass for African banking professionals — cash-flow-based underwriting, sector-specific analysis, early warning, IFRS 9, restructuring, collections and recoveries, credit governance, portfolio analytics and digital-lending risk across the complete SME credit lifecycle.

Dates on request

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Credit & LendingIn-person

BIZENIUS Banking Academy

Commercial Banking & Structured Finance Masterclass

A two-day executive masterclass for banks entering their next commercial lending cycle — cash-flow-led credit, transaction structuring, trade and supply-chain finance, infrastructure and energy value chains, with portfolio quality built in from the first deal.

DEC 2026 · Muscat · +4 more

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Credit & LendingHybrid

BIZENIUS Banking Academy

Credit Analysis Masterclass

Back to the first principles of credit analysis — assessing creditworthiness properly so lending decisions protect margin, market share and the provision line.

Dates on request

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Credit & LendingHybrid

BIZENIUS Banking Academy

Counterparty Credit Risk Management in Derivatives Masterclass

Counterparty credit risk in OTC derivatives — default risk, CVA, wrong-way risk and the mitigation toolkit, from ISDA-era documentation to capital calculations.

Dates on request

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Credit & LendingHybrid

BIZENIUS Banking Academy

Credit Documentation, Monitoring & NPA Management/Recovery Masterclass

Getting the money back — early detection of problem loans, restructuring distressed borrowers and a workable action plan to bring the NPL ratio down.

Dates on request

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Background reading

Frequently asked

Which credit programme should our lending team start with?

Start with Credit Analysis Masterclass, the first step of the Credit & IFRS 9 learning path: it returns to the first principles of assessing creditworthiness. Teams then move to the IFRS 9 expected credit loss programme and to Strategic NPL Management, IFRS 9 Provisioning & Debt Recovery Masterclass for problem loans and recovery. Corporate bankers who arrange or administer shared facilities should look at Syndicated Lending & Loan Agency.

What does credit and lending training cover, and who is it for?

It covers the full arc of the lending decision: origination and credit analysis, rating and pricing, portfolio surveillance, IFRS 9 provisioning, and the discipline of problem loans, workouts and recovery, with specialised lending such as syndicated and mortgage finance. It is for credit analysts, relationship managers, credit committee members, credit risk and recovery teams. Programmes are practitioner-led and delivered in English and French.

Do your credit programmes cover IFRS 9 provisioning and NPLs?

Yes. The Credit & IFRS 9 learning path moves from credit analysis to expected credit loss under IFRS 9, then to Strategic NPL Management, IFRS 9 Provisioning & Debt Recovery Masterclass, which links provisioning to workout and recovery decisions. It suits credit risk, finance and recovery teams that need a shared view of how a deteriorating loan moves through staging, provisions and recovery. Real Estate & Mortgage Finance adds the property-lending angle.

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