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Erudite AfricaCenter of Excellence
← Advanced Credit and Portfolio Risk

Governance, ethics, exceptions and the integrated capstone

Module 05 / 5 · 65 min

Know where judgment ends and authority begins, handle conflicts and insider lending correctly, and lead a committee through a hard case.

In this module you will learn to

  • Distinguish an exception from a deviation and route each to the right authority
  • Apply related party and insider lending rules on limits and arm's-length terms
  • Handle conflicts of interest and confidentiality in committee
  • Explain the rules for syndicated loans and environmental assessment
  • Prepare and present an integrated committee paper on a distressed group

Built on

  • Erudite Africa training module: Level 3: Advanced Credit and Portfolio Risk (October 2026)
  • Erudite Africa credit training program overview and Ethiopian-context module (2026)
  • A commercial bank's Revised Credit Procedure Manual (2025), unnamed
  • NBE directives as listed in the lessons: SBB/87/2024, SBB/88/2024, SBB/89/2024, SBB/90/2024 and SBB/95/2025
  • Ethiopian laws: Proclamations No. 97/1998 and 98/1998, Movable Property Security Right Proclamation No. 1147/2019, Financial Reporting Proclamation No. 847/2014

Examples and companies are fictional. Bank practices are shown as typical Ethiopian practice, not as any one bank's policy. Always apply your own institution's approved policy and the current NBE directives.