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Erudite AfricaCenter of Excellence
← Level 1: Credit Foundations

Credit origination

Module 03 / 5 · 60 min

Most bad loans are visible at the front door: practise the eligibility check, interview, documents, credit report and business visit that catch them.

In this module you will learn to

  • Apply the general eligibility criteria to an applicant
  • Run an interview with open and probing questions and record red flags
  • Identify the financial statements and documents each type of applicant must present
  • Obtain and use a credit report correctly and confidentially
  • Conduct a business visit and write up variations in a due diligence report

Built on

  • Erudite Africa training module: Level 1: Credit Foundations (October 2026)
  • Erudite Africa credit training program overview and Ethiopian context module (October 2026)
  • A commercial bank's Revised Credit Procedure Manual (August 2025), unnamed
  • NBE directives as listed in the lessons, including SBB/87/2024, SBB/88/2024, SBB/90/2024, SBB/91/2024 and CRB/02/2019
  • Ethiopian laws as cited: Banking Business Proclamation No. 1360/2025, Movable Property Security Right Proclamation No. 1147/2019, Proclamation No. 97/1998

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.