SME credit analysis and risk management represent a core institutional function supporting financing decisions for small and medium enterprises. Its role centers on assessing borrower capacity financial resilience and risk exposure within structured credit environments. This training program covers analytical frameworks financial models and risk assessment structures used in SME lending. It provides a consolidated view of how credit evaluation risk control and governance interact within SME finance portfolios.
Analyze financial and non-financial indicators used in SME credit assessment.
Classify SME credit risk categories and exposure types.
Evaluate credit appraisal models and risk mitigation structures.
Assess portfolio-level risk monitoring and control mechanisms for SME lending.
Identify the relationship between SME credit risk management and institutional stability.
• Credit analysts and lending officers.
• SME relationship and account managers.
• Risk management and credit control staff.
• Banking operations and portfolio management professionals.
• Professionals involved in SME financing decisions.
• Characteristics of SME financing and credit environments.
• Differences between SME and corporate credit assessment.
• Role of credit analysis within SME lending frameworks.
• Institutional credit approval and decision hierarchies.
• Information sources supporting SME credit evaluation.
• Financial statement structure and data reliability considerations.
• Cash flow assessment logic for SME borrowers.
• Ratio analysis categories relevant to SME credit.
• Earnings stability and capacity assessment frameworks.
• Limitations of traditional financial analysis for SMEs.
• Business model and industry risk factors.
• Management quality and ownership structure considerations.
• Market position and competitive environment indicators.
• Operational and concentration risk elements.
• Qualitative scoring and weighting frameworks.
• Collateral structures and security arrangements.
• Covenant frameworks and monitoring logic.
• Pricing structures aligned with risk profiles.
• Credit enhancement and guarantee mechanisms.
• Early warning indicators within SME portfolios.
• Portfolio monitoring structures and reporting lines.
• Credit review and reassessment frameworks.
• Problem credit classification and provisioning logic.
• Regulatory and compliance considerations in SME lending.
• Governance oversight for SME credit risk management.
