By the end of this training course, trainees will be able to: -          Explain the essential roles of banks, the purpose of credit functions, and how credit decisions support economic activity. -          Differentiate between various types of credit facilities, describe their purposes, and identify the conditions and risks under which each facility is typically granted. -          Apply the full credit assessment process, including data collection, due-diligence steps, use of checklists, site visits, and preparation of the credit assessment report. -          Analyze industry, business, management, and financial information to assess borrower creditworthiness and identify key risks. -          Interpret financial statements, calculate key financial ratios, and evaluate cash-flow dynamics relevant to credit decisions. -          Design an appropriate credit structure by aligning facility type, amount, pricing, tenor, covenants, and collateral with both the borrower’s needs and the bank’s risk appetite. -          Prepare and present a complete, well-reasoned credit report that consolidates findings, supports recommendations, and adheres to the bank’s credit policy and risk appetite.