By the time a loan appears on a watch-list, a large part of the damage is usually already done. Strong banks don't wait for repayment problems to surface — they build continuous monitoring, timely credit reviews, and clear recovery procedures into the way every branch operates.

This training course from the Arab British Fellowship Training Academy gives participants a practical grounding in credit monitoring and recovery: how to follow up on facilities at branch level, when and how to renew credit, who is legally liable when a loan turns bad, and how the underlying accounting keeps every decision traceable.

Who is this course for?

Bank managers, senior officials, and anyone responsible for following up on loans and advances after they are disbursed.

What you'll walk away knowing

• How to monitor credit facilities continuously and renew them through a structured annual review
• The personal liabilities carried by guarantors and principal debtors, and when set-off rights apply
• How documentation, penalties, and recovery procedures work together to protect the loan book
• The financial analysis, guarantees, and lending principles behind a sound credit decision
• The accounting entries and financial statements that record and reflect recovery activity

Module 1: Catching Trouble Early — Continuous Credit Monitoring

• Why monitoring and controlling credit at every level and branch of the bank matters.
• Tools and methods for the financial and physical follow-up of credit, particularly at branch level.

Module 2: Renewing and Reviewing Credit Facilities

• The need for credit renewal and how the annual review process works.
• An overview of the credit function at bank branch level.

Module 3: Who Is Liable When a Loan Goes Bad

• The personal liabilities carried by guarantors and principal debtors.
• When and how rights of set-off can be exercised.

Module 4: Recovery Tools — Documentation, Penalties and Control in Action

• Credit documentation requirements and penalty procedures.
• Credit control practices and loan recovery methods.
• The guarantees that support recovery action.

Module 5: Reading the Borrower's Financial Position

• Financial analysis of loaning and lending principles and procedures.
• Asset classification as part of ongoing credit control.

Module 6: Accounting Discipline Behind Recovery Decisions

• Core accounting terms and how accounting information flows through sound systems.
• Methods for registering and posting accounting entries, and closing accounts and budgets in line with international standards.
• Understanding financial statements and their importance.