EVENT 2022
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It is now over 13 years since the onset of the global credit crisis. The world is dealing with the impact of COVID-19 which is putting many companies’ finances under severe strain. There are heightened political risks. Technology is facilitating rapid and disruptive changes in many industry sectors. The way people live, travel and work is changing. Issues such as global warming are profoundly impacting businesses.
The implications of the above, and other changes in the business environment and social changes, is that past experience may be far less reliable as an indicator of potential credit defaults and losses. So, are traditional methods of corporate credit analysis still relevant? Or is there a need to change the corporate credit analysis methodology, or at least use additional measures of risk assessment?
April 09, 2025 9:00 am
To
April 11, 2025 6:00 pm
Malcolm Sullivan is renowned Banking expert with over 40 years of experience. He has consulted and helped more than 100 banks, finance houses management on execution of their Credit & Risk management policies. For more than twenty years, Malcom has assisted Major bankers in Africa, Asia Pacific & Major part of world on Credit assessment & Credit Risk Management. Malcom has led highly rated public seminars & in-house programs in Africa & Middle East which includes Nigeria, South Africa, Ghana, India, Kuwait, UAE, & Singapore.
One core case study will be used throughout the programme, as well as other companies, to illustrate specific topics. There will be a focus on large corporates, both in developed and developing markets.
To maximise the benefit of the training we suggest that participants review background on the core case study before the course.
This Training programme will be relevant to a wide range of personnel involved in Corporate Financial Analysis
Many African populations lack access to traditional banking services, leading to reliance on informal credit sources with higher interest rates and less stringent credit checks.
The lack of comprehensive credit bureaus and robust credit reporting systems hinders the ability to accurately assess borrowers’ creditworthiness.
Fluctuations in currency exchange rates, commodity prices, and natural disasters can significantly impact borrowers’ ability to repay loans.
Large portions of the African population live in poverty, making them more vulnerable to defaulting on loans.
A significant portion of economic activity occurs in the informal sector, making it difficult to monitor and assess credit risks
Political instability in certain regions can disrupt economic activity and impact loan repayments.
Limited financial knowledge among borrowers can lead to poor credit decisions and increased default rates.
Access to suitable collateral for loans can be limited in many African countries, increasing the risk for lenders. Mitigation strategies
Establishing robust credit bureaus and improving data collection practices to better assess borrowers’ creditworthiness.
Providing small loans to individuals with limited access to traditional banking services, often with community-based support systems.
Leveraging mobile technology to expand financial access and improve credit monitoring.
Implementing policies to promote financial inclusion, improve regulatory frameworks, and address economic instability
Educating lenders and borrowers about credit risk management practices and financial literacy.
Collaborating with non-governmental organizations to reach underserved communities and provide credit access with appropriate risk mitigation.
Implementing policies to promote financial inclusion, improve regulatory frameworks, and address economic instability
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