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Erudite AfricaCenter of Excellence
← Level 2: Credit Analysis and Appraisal

Account performance, the credit report and the committee

Module 05 / 5 · 70 min

Pull the analysis into one written recommendation and defend it before a credit committee that asks hard questions.

In this module you will learn to

  • Measure account performance across overdraft, merchandise, L/C, pre-shipment, guarantee and term loan facilities
  • Write a credit analysis report in the standard eleven-section format
  • Draft a one-page executive summary that states a clear recommendation, the key risk and its mitigant
  • Defend a recommendation under committee questioning, including sensitivity and policy exceptions

Built on

  • Erudite Africa training module: Level 2: Credit Analysis and Appraisal (October 2026)
  • Erudite Africa: Credit Analysis Training Program overview (October 2026)
  • A commercial bank's Revised Credit Procedure Manual (August 2025), unnamed
  • NBE directives as listed in the lessons: SBB/87/2024, SBB/88/2024, SBB/90/2024, NBE/INT/13/2026, CRB/02/2019, MCR/01/2020
  • Movable Property Security Right Proclamation No. 1147/2019

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.