Debt & Credit Policy Design Training Course

This course equips participants with the knowledge and skills to design, implement, and manage effective debt and credit policies within organizations. It focuses on establishing frameworks that balance financial sustainability, risk management, and business growth. Participants will gain insights into policy structures, credit risk assessment, debt structuring, and compliance considerations while applying best practices in monitoring and evaluation.

Target Groups

• Credit and debt managers
• Finance and treasury professionals
• Risk management officers
• Internal auditors and compliance staff
• Business owners and entrepreneurs
• Banking and microfinance professionals
• Policy and strategy consultants

Course Objectives

By the end of the course, participants will be able to:

• Understand the principles of debt and credit management.
• Design structured debt and credit policies tailored to organizational needs.
• Apply risk assessment and credit evaluation techniques.
• Establish debt structuring strategies for optimal financing.
• Integrate compliance and governance in credit policy frameworks.
• Monitor, evaluate, and revise policies effectively.
• Support sustainable growth through responsible credit practices.

Course Modules

Module 1: Introduction to Debt & Credit Policies

• Importance of debt and credit frameworks
• Key principles and objectives

Module 2: Credit Risk Assessment & Evaluation

• Credit scoring models
• Assessing borrower capacity and collateral

Module 3: Debt Structuring & Management

• Short-term vs long-term debt
• Debt restructuring techniques

Module 4: Designing Credit Policy Frameworks

• Components of an effective credit policy
• Setting limits, terms, and conditions

Module 5: Compliance & Governance in Credit Policy

• Regulatory requirements and reporting
• Role of internal controls and compliance units

Module 6: Debt Policy Development & Implementation

• Strategic debt planning
• Debt service coverage ratios and monitoring

Module 7: Monitoring & Review of Credit Policies

• Establishing KPIs and performance metrics
• Continuous improvement of policies

Module 8: Integrating Risk Management in Debt & Credit Policies

• Identifying risks in credit operations
• Tools for mitigating default and repayment risks

Module 9: Technology in Credit & Debt Management

• Use of credit management systems
• Digital tools for debt tracking and monitoring

Module 10: Case Studies & Best Practices

• Examples of successful debt and credit policies
• Lessons learned from policy failures