SME Banker’s Credit Analysis Masterclass
Credit judgment for borrowers with thin files — reading proxy information, quantifying debt service capacity and structuring SME facilities that get repaid.
Format
Classroom · Live Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
The typical SME borrower brings little formal financial reporting and less tangible collateral — and the lender still has to find the debt service capacity while screening out the unsavoury risks. This masterclass systematically builds that judgment. Working within rational decision frameworks, the cohort combines hard and soft information: interpreting financial statements, reconstructing financial pictures from proxy information, reading the fundamental drivers of success and risk across industry sectors, and sizing up management’s commercial street smarts. Structuring, pricing and communication complete the skill set — working capital revolvers, capital expenditure term loans, RAROC-based pricing and credit write-ups that carry the room. Taught by a seasoned practitioner through exercises, case studies and peer discussion.
What you will do
Who attends
- Heads of regional businesses and branch relationship managers
- Branch managers responsible for SME banking
- Credit department and risk management teams
- Sales, distribution, strategy and planning specialists
- Banking and strategy consultants
Programme agenda
Built for the decisions no textbook prepares you for
I.The logic of credit
- Rational thinking decision frameworks
- Hard and soft information in credit judgment
- Interpreting financial statement results
II.Seeing through thin files
- Reconstructing financial pictures from proxy information
- Drivers of success and risk across industry sectors
- Assessing management capability and commercial street smarts
III.Quantifying repayment
- Debt service capacity from cash flow generation
- Financial management principles — where the borrower is coming from
- Modern credit scoring and the credit decision process
IV.Structure, pricing and communication
- Working capital revolvers and capital expenditure term loans
- Standard risk cost, RAROC, economic capital and EVA; risk limit systems
- Articulating the lending rationale in credit write-ups
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 № 06 · MENA
Turning SME banking from an underwriting problem into a franchise
Every bank wants the SME segment. Few can say how they will make money in it.
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The Capability Arc™
Fix it · Advisory
Advisory & Consultancy
A senior bench across risk, treasury and regulation.
Learning is one point on the Capability Arc. Many institutions pair this programme with the advisory engagement — and automate what the framework demands.
Teams from these institutions train with BIZENIUS
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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.