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 · 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
Who should attend the SME credit analysis masterclass?
It suits 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, and banking and strategy consultants.
How does the course handle borrowers with little formal reporting?
That is its core: within rational decision frameworks, the cohort combines hard and soft information — interpreting financial statements, reconstructing financial pictures from proxy information, reading the drivers of success and risk across industry sectors, and sizing up management’s commercial street smarts — to quantify debt service capacity from cash flow generation rather than collateral hope.
Does the programme cover structuring and pricing?
Yes — working capital revolvers and capital expenditure term loans, pricing and decision tools including standard risk cost, RAROC, economic capital, EVA and credit scoring inside an effective risk limit system, and credit write-ups that carry the room. It is taught by a seasoned practitioner through exercises, case studies and peer discussion.
Is it available in French or as an in-house edition?
Yes. BIZENIUS delivers the masterclass in English and French, and an in-house edition can be tailored to your SME segment and credit process. Sessions run on a rolling calendar with dates confirmed on request; fees and quotations are provided on enquiry.
Who teaches this
Practitioners, not presenters.
Led by practitioners who hold, or have held, the seats this programme prepares you for: group treasurers and heads of asset–liability management, chief risk officers, heads of credit and capital management, and former central-bank supervisors who examined the very frameworks they now teach. Between cohorts the same people advise banks on those frameworks, so what you learn is what is being defended in front of boards and regulators today.
What the bench brings
- Credit analysis, underwriting and structuring
- Credit policy design and portfolio diagnostics
- IFRS 9 expected credit loss and PD calibration
- SME and commercial banking credit
- Commercial and corporate banking process design
- SME banking: organisation, products and credit
Where they have practised
Current and former practitioners — people who hold the seat today alongside those who have held it.
Sectors: Banking & financial services · Technology & fintech · Insurance
Regions: Africa · the Middle East · Europe · Asia · the Americas
How they teach
- Live case studies from real institutions
- Worked exercises on realistic bank data
- Regulator-style challenge sessions
- Group problem-solving on realistic institutional cases
- Knowledge checks and a personal action plan
Cohorts are kept small so every exercise is worked on the participants’ own situations — in person or live virtual.
The faculty profile for your cohort is sent with the full agenda and the next dates when you enquire.Request brochure →
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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.