The applied program for credit assessment skills in microfinance

The applied program for credit assessment skills in microfinance focuses on strengthening one of the most critical pillars of microfinance operations, as credit assessment is the cornerstone of success in this sector. The accuracy of approval or rejection decisions depends on the skill of the assessment officer in analyzing creditworthiness and detecting risks at an early stage. From this standpoint, this comprehensive practical program enhances the capabilities of employees in financing companies and enables them to make higher-quality and more effective decisions. It is a comprehensive training program targeting managers and credit inspection officers in microfinance companies, aimed at developing their skills in analyzing clients’ creditworthiness and assessing the risks associated with financing.

The objectives of The applied program for credit assessment skills in microfinance

• The program aims to equip participants with an advanced set of practical skills, including
• Developing skills in creditworthiness analysis and customer risk assessment before the financing decision.
• Enhancing the ability to apply credit policies and standards in accordance with the regulations of the Financial Regulatory Authority.
• Enhancing the efficiency of communication and harmony between credit inspection officials and various departments to ensure the accuracy and integrity of decisions.
• Enabling trainees to use verification and financial analysis tools with high efficiency.
• Supporting a culture of accuracy and responsibility when making decisions related to granting or denying funding.

Target groups of the program

The program has been specifically designed for

Managers and credit inspection officers in microfinance companies.

The main topics covered by the program

Day One: Organizational Basics and Internal Policies

• A comprehensive introduction to microfinance activities.
• A detailed look at the rules, standards, and regulations governing the operations of companies.
• Linking regulatory decisions to the daily tasks of the credit inspection officer.
• The role of the credit inspection department and its importance within the financing cycle.
• Internal company policies: framework and practices.
• Applications and practical cases to enhance understanding.

Day Two: Steps for Examination and Creditworthiness Analysis

• Detailed inspection steps and best practices were followed.
• How to effectively analyze the client’s financial and creditworthiness.
• Detecting errors and fraud during the inspection.
• Field training and practical cases.

Day Three: Fraud Detection and Effective Communication

• Fraud detection methods and early warning indicators.
• Distinguishing between human error and deliberate fraud.
• Improving communication skills with branches and avoiding conflicts.
• A practical session through selected case studies.

Total number of hours

18 training hours