Credit Management and Debt Collection Course
Course Overview
The objectives of this Credit Management and Debt Collection course are:
• Understand debtors and know how to communicate with them effectively
• Manage your company’s risks and minimize bad debts
• Use Credit evaluation and credit limit review
• Understanding and applying the credit assessment policy and its control mechanism
• Get Optimal resource utilization, increased cash conversion
• Reduced credit risk and excellent return on investment
• Practical and engaging collection and negotiation scenarios
Training Format:In-class, Virtual, In-house
Location:Lagos, Accra, Nairobi, Kigali
Language:English, French
Nigeria Price:
₦30002
Int'l., (Nigeria) Price:
$1000
Ghana Price:
$4000
Kenya Price:
$5500
Rwanda Price:
$6000
Nigeria Price:₦30002
Int'l., (Nigeria) Price:
$1000
Ghana Price:
$4000
Kenya Price:
$4000
Rwanda Price:
$4000
Nigeria Price: ₦30002
Int'l., (Nigeria) Price:
$1000
Ghana Price: $4000
Kenya Price: $4000
Rwanda Price: $4000
This Credit Management and Debt Collection Training course includes the following modules:
Introduction to Credit Management
• What is Credit Management?
• Importance of Credit Management
• Credit Department’s Responsibility
• The 6 Cs of Credit
Credit Risk Assessment
• Financial Factors Affecting Credit Decision (Financial Statements: What to Look for) Probability of Default, Exposure at Default, Loss given Default, Expected Loss
• Borrowing Need and Capacity Assessment
• Leverage and Coverage Ratios
• Liquidity, Profitability and Activity Ratios
• Cash Flow Analysis and Projections
• The Z Score
• Credit VaR
Non-Financial Factors Affecting Credit Decision
• Business Environment and Industry Status
• Company Vulnerability
• Management Integrity, Skill & Execution
• Exercises and Cases
Mitigating Risk Assessment
• Setting the Credit Limit
• Review New Accounts
• Re-Evaluate Existing Account
Loan Structuring
• Credit Enhancements and LTV limits
• Loan Covenants
• Loan Pricing and Negotiating
• Problem Loans and Restructuring
• Credit Derivatives (Credit Default Swap, Total Return Swap, Credit Spreads etc.)
• Exercises and Cases
Collection Performance and Efficiency
• Aging of Accounts Receivable and Bad Debt Reserves Analysis
• Accounts Receivable Turnover and Days Sales Outstanding
• Collection Effectiveness Index
• Analysing Operating and Cash Cycles
• Improving Working Capital Health
• Bad Debt Collection
• Factoring
• Overdue Ratio Calculation
• Discount & Prepayments
Analysis and Decision Strategies for Credit Efficiency
• Scenario Manager
• Goal Seek
• Data Table (Sensitivity Analysis)
• Solver Technique
1ST BATCH: Tuesday, April 21, 2026 — Friday, April 24, 2026.
2ND BATCH: Tuesday, August 11, 2026 — Friday, August 14, 2026.
3RD BATCH: Tuesday, December 8, 2026 — Friday, December 11, 2026.
The training methodology integrates lectures, interactive discussions, collaborative group exercises, and
illustrative examples. Participants will acquire a blend of theoretical insights and hands-on practical
experience, emphasizing the application of learned techniques. This approach ensures that attendees return
to their professional environments equipped with both the competence and self-assurance to effectively
implement the acquired skills in their responsibilities.
