← Erudite Africa Center of ExcellenceBank and MFICredit Analysis ProgramIntermediate
Loan Portfolio Management
Analyse, limit, work out, provide for, stress and report a whole loan book under NBE rules
Move from the single loan to the whole book: portfolio analytics, limits, workout, IFRS 9 staging, stress testing and board reporting, using one Ethiopian bank's 2,000-loan portfolio as a running case.
Start the course
0 of 5 modules completed
What you will be able to do
- Analyse portfolio risk by sector, product, region and borrower group with vintage, migration and concentration tools
- Set limits aligned with SBB/87/2024, SBB/88/2024 and a capital-based credit budget under SBB/95/2025
- Design restructuring and workout strategies that preserve value and follow SBB/90/2024
- Stage the book under IFRS 9 and reconcile it with SBB/90/2024 minimum provisions
- Run Ethiopian stress tests and produce portfolio reports for management, ALCO, the board and NBE
- For
- Portfolio managers, credit risk managers and credit administration managers in Ethiopian banks and microfinance institutions, and loan follow-up officers and branch managers who have completed the Beginner level (or 1.e Level 1) and want to manage the book as a whole.
- Study time
- About 5 hours online, in 5 modules (24 hours in the classroom version)
- Each module
- Short lessons, animated visuals, Ethiopian examples, decisions to make, NBE rules and worked calculations, then a quiz
- Assessment
- A 20-question final exam; pass mark 70%
- Certificate
- Erudite Africa Center of Excellence certificate of completion
- Access
- Module 1 free for registered users; the full course, exam and certificate for subscribers
The 5 modules
- Module 01Free previewPortfolio analytics: vintages, migration and concentrationRead the whole loan book as a portfolio: quality indicators, vintage, migration and roll-rate analysis, concentration and the quality of the data underneath.6 lessons · 65 min · quiz
- Module 02Limits and risk appetiteTurn portfolio analysis into limits: sector, product, single obligor and group limits aligned with NBE large-exposure and related-party rules, and a capital-based credit budget now that the credit growth cap has gone.6 lessons · 60 min · quiz
- Module 03Workout and restructuringDesign workout strategies that preserve value: viability assessment, restructuring options, NBE treatment of restructured loans, debt-to-asset swaps, foreclosure and write-off.6 lessons · 70 min · quiz
- Module 04IFRS 9 in the portfolioStage the book, recognise significant increases in credit risk, compute expected credit loss with forward-looking scenarios, and reconcile IFRS 9 with SBB/90/2024 minimum provisions.6 lessons · 60 min · quiz
- Module 05Stress testing, reporting and the portfolio reviewStress the book under Ethiopian scenarios, translate losses into capital, build dashboards and reports for management, ALCO, the board and NBE, and present the capstone portfolio review.6 lessons · 70 min · quiz
- Officer simulationA quarter as credit portfolio manager at Bank A head officeWork as credit portfolio manager: 11 real-life items, decisions with consequences and a hand-over note. Pass with 70% to qualify for the certificate.
- Final examFinal exam and certificate20 applied questions across all 5 modules. Pass with 70% to download your certificate.
Built on
- Erudite Africa course specification: 1.f Loan Portfolio Management, Training Module: Ethiopian Context (October 2026)
- Erudite Africa: Ethiopian regulatory register in the Training Module: Ethiopian Context (October 2026)
- NBE directives as listed in the lessons: SBB/87/2024, SBB/88/2024, SBB/90/2024, SBB/95/2025; NBE Risk Management Guidelines (May 2010); NBE MPC meeting No. 7 press release (July 2026)
- A commercial bank's Revised Credit Procedure Manual (August 2025), unnamed
- IFRS 9 Financial Instruments
- Movable Property Security Right Proclamation No. 1147/2019; the law on property mortgaged or pledged with banks (reported as 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.