Training and Development

A list of our management training courses is provided below. Each course is run ‘in-house’ at your company premises, anywhere in the world and can be tailored to your needs. All our courses are practical, includes real-life examples, with a comprehensive colour workbook to take away for future reference

Cash Flow Based Appraisal Techniques

Training on credit appraisal and recovery techniques aims to build the capacity of the participants to review the tools and techniques for analyzing and evaluating information from potential clients. It enhances the skills of the lending staff in developing credit formats, identifying potential clients, assessing the actual repayment capacity, effective loan structuring and loan recovery techniques.
It provides participants an opportunity to learn how can they assist their institutions in reducing their financial losses, by taking prudent credit decisions.
Training Aims:
  • To familiarize the participants with cash flow based assessment technique
  • To enable participants to deal effectively with different kind of credit customers based on real life examples
  • To provide adequate knowledge about the loan recovery process
  • To develop knowledge of the participants about portfolio management


This classroom based training will be based on BAZ’s broad experience in practical project work and theoretical programs, tailored to the needs of mid-level managers and loan officers active or interested in MSME finance. Participants will learn how to manage MSME finance as an independent product line/customer segment within a financial institution. While topics related to all management levels (from macro to micro, from strategic to operational) will be taught, a clear focus will be on the credit risk assessment based on clients' individual analysis.

The course content includes:

  • Module 1: Introduction to M/SME finance
  • Module 2: SME credit analysis - collecting and understanding information
  • Module 3: SME credit analysis - verifying information
  • Module 4: SME credit analysis - financial analysis
  • Module 5: SME credit analysis - cash flow based analytical tool
  • Module 6: Loan portfolio management and monitoring
  • Module 7: Supporting activities and strategy

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