Credit Risk Rating and Underwriting to Manage NPLs under IFRS 9
Credit extension is where banks earn — and where they fail. Rating, underwriting and IFRS 9 provisioning discipline that keeps non-performing loans from setting the agenda.
Format
Classroom · Live Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
The extension of credit is most commercial banks’ primary source of revenue and, simultaneously, the greatest risk to earnings and capital — flawed credit risk management remains the leading cause of bank failure. For decades credit professionals have leaned on trailing indicators of loan quality, approving carefully and monitoring after the fact; that is no longer enough. This intensive two-day programme builds a cohesive credit risk framework for the whole lifecycle: rating and underwriting, identifying and controlling emerging risk, managing collections and problem loans, and provisioning for NPLs under IFRS 9. The cohort also works through portfolio optimisation with credit derivatives and securitisation, concentration risk, stress testing, and the constraints Basel III places on credit portfolios.
What you will do
Who attends
- Board members and senior management
- Heads and managers in credit administration
- Credit risk officers and relationship managers
- Team leaders in credit monitoring
Programme agenda
Built for the decisions no textbook prepares you for
I.The credit risk framework
- Why credit failure remains the leading cause of bank failure
- An end-to-end framework for managing credit risk in a bank
- How customer set and product offering drive the credit process
II.Rating, underwriting and emerging risk
- The most commonly used models for assessing exposure
- Identifying, measuring, monitoring and controlling emerging credit risk
- Practical exercises and case studies from real market situations
III.NPL management and IFRS 9
- Managing non-performing loans
- Organisational design for collections and problem loans
- IFRS 9 provisioning for NPLs
IV.Portfolio optimisation and regulation
- Credit derivatives and securitisation
- Concentration risk — hedging and portfolio management
- Basel III and other regulatory constraints; stress testing and scenario analysis
Frequently asked
Do these programmes cover the Basel III final reforms and the ICAAP/ILAAP cycle?
Yes. The BIZENIUS banking curriculum is built around the Basel III endgame, ICAAP, ILAAP, IRRBB, IFRS 9 provisioning, stress testing and BCBS 239. Participants leave able to quantify the output floor on their own portfolios, write capital and liquidity documents that withstand supervisory review, and defend the numbers to their board.
Are the programmes adapted to regional supervisors such as SAMA, CBUAE or BCEAO?
Casework is built around supervisory documents rather than textbook theory, and faculty include former practitioners who have sat on both sides of an examination. Programmes address the questions SAMA, CBUAE, BCEAO and other home regulators actually put to the desk, and an in-house edition can be tailored to a single jurisdiction.
How do I secure a seat on a banking programme?
Apply for a seat or request the brochure from the programme page. A senior practitioner — not a sales team — responds within one business day, and the brochure arrives with that reply. BIZENIUS runs on enquiry: there is no online checkout.
Can a programme run in-house for our bank?
Every BIZENIUS programme can be delivered in-house, tailored to your balance sheet, your regulator and your data, in English or French. Many institutions start with an open cohort, then commission a private edition for the wider team.
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In their words
Knowledge transfer, emphasised throughout
“We worked with BIZENIUS for our Fresh Graduates Programme — they are simply amazing. Knowledge transfer and practical learning were emphasised throughout.”
Kuwait Investment Authority
From the Mandate Record
Mandate № 01 · Africa
The training programme that became national regulation
What the team mastered, the regulator wrote into the rulebook.
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Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.