Overview

Micro, Small and Medium Enterprises (MSMEs) have proven to be the principal drivers of inclusive economic growth, transformation, and development in almost every economy around the world. And in today’s complex, dynamic, and challenging business environment where large corporates, multinationals, and conglomerates are constantly battling with issues around mergers and acquisitions, right-sizing, restructuring, divestments, and even liquidations, and so on, MSMEs have proven to be the strong alternatives for hope and growth.

 

There is therefore a need for renewed interest and emphasis on small business lending by all lending institutions in Nigeria – Micro-Finance Banks, Commercial Banks, Mortgage Banks, Other Special Banks, as well as Development Finance Institutions. But with this interest must come well-designed and appropriately executed training of lending officers who MUST NOT approach small business lending the same way they would commercial loans.

 

This training and mentoring programme is comprehensively designed to strengthen the capacity of all participants to understand and analyze various risks in lending, appraise credit requests, package and process loans – with focus on micro-credits – and effectively manage the bank’s loan portfolio in their assigned business areas. Critical topics in environmental and business-specific analyses, loan structuring, financial risk analysis, loan monitoring, among others would be clearly treated.

This programme is specially designed to equip loan officers with the right skills and knowledge to successfully lend to Micro, Small and Medium Enterprises (MSMEs), and therefore achieve the bank’s overall lending objectives.

 

Course Outline

The general outline of the programme would be as follows:

 

  • The Structure of Nigeria’s Financial System
  • The Financial Intermediation Process
  • The Major Risks in Financial Institutions
  • The Importance of Capital Adequacy
  • Major Banking Laws and Regulations in Nigeria
  • Introduction to Micro-Finance Lending
  • Understanding the Micro, Small and Medium Enterprises (MSMEs) in Nigeria
  • Qualities of a Good MSME Lending Officer
  • Understanding the Regulatory and Supervisory Framework For Micro-Finance in Nigeria
  • Paradigm Shift in Micro-Financing
  • Critical Success Factors in Small Business Lending
  • Fundamentals of Credit Risk Analysis
  • The Credit Process
  • Principles of Credit (The Canons)
  • Framework for Analyzing Credit Risks
  • The Credit Policy Guide (CPG)
  • Macroeconomic, Industry, And Business Analyses – For Lending Officers
  • Financial Risks Analysis – For MSMEs
  • Working Capital Analysis
  • Case Study/ Group Presentations
  • Credit Processing, Control & Administration
  • Credit Structuring Imperatives – For Small Businesses
  • Short Case Study & Class Exercises
  • Loan Monitoring & Port-Disbursement Best Practices
  • The Prudential Guidelines & Loan Performance Indicators
  • Managing Problem or Delinquent Credit Facilities
  • Loan Work-Out and Recovery Strategies
  • Parting Shots – Leading the Micro-Finance Revolution in Nigeria

 

For Whom

  • Micro-Finance Bankers
  • Account Officers and Relationship Managers
  • Credit Analysts
  • Loan Remedial Officers
  • Micro-Finance Leaders
  • Business Executives

 

Duration:                  5 Days per Stream