Every loan a bank issues moves through a predictable path — approval, disbursement, monitoring, and eventually repayment or write-off. Understanding that path, stage by stage, is what turns a credit function from a reactive back-office task into a genuine line of defense for the bank.

This training course from the Arab British Fellowship Training Academy maps that full life cycle, distinguishing funded from non-funded facilities and walking participants through each stage's role, before connecting it all to documentation, classification, and the accounting that records it.

Who should attend?

Bank managers, senior officials, and anyone who wants a structured understanding of how the credit function operates inside a bank branch.

What participants will gain

• A clear map of the credit function's structure and classification within the bank
• The ability to distinguish funded and non-funded credit facilities
• An understanding of each stage in a bank loan's life cycle, from approval to closure
• Practical knowledge of financial analysis, guarantees, and documentation at each stage
• The accounting skills needed to record, close, and report on credit activity

Module 1: The Credit Function as a System, Not a Department

• The basic classification features of a bank's credit function.
• An overview of the credit function at branch level.

Module 2: Funded vs Non-Funded Facilities

• The basic features that distinguish funded from non-funded credit facilities.
• The guarantees associated with the lending process.

Module 3: The Life Cycle of a Bank Loan, Stage by Stage

• The different stages in the life cycle of bank credit.
• The core characteristics of each stage, and the lending principles and procedures that apply throughout.

Module 4: Assessing, Documenting and Classifying Exposure

• Financial analysis of loaning.
• Credit documentation and penalties.
• Asset classification.

Module 5: Keeping Credit Healthy Through Its Life

• Credit control and loan recovery.
• Advanced tools for predicting financial performance and the success or failure of national economies.
• The practical damage from flawed mathematical treatments, and the data needed for a planning budget.

Module 6: The Accounting Layer Behind Credit Decisions

• Core accounting terms and how information flows through sound systems in line with international standards.
• Methods for registering and posting entries, and tracking financial performance over time.
• Closing accounts, building budgets, and understanding financial statements.