E&S risk in lending: screen, categorize, condition

Module 03 / 5 · 65 min

Apply the core E&S steps of a bank's management system to real loan applications: the exclusion list, screening, risk categories and E&S conditions.

In this module you will learn to

Screen a loan application against an exclusion list and national law
Assign an E&S risk category (A, B or C) and explain the reasons
Draft proportionate E&S conditions for approval, disbursement and monitoring
Explain how the EIA Proclamation and the IFC Performance Standards apply to bank clients

Built on

Erudite Africa course specification: 4.d Sustainable Finance and ESG, Level 1 Beginner (October 2026)
Erudite Africa: Ethiopian Context program overview and regulatory register (October 2026)
NBE directives as listed in the lessons: SBB/90/2024 and SBB/91/2024; Environmental Impact Assessment Proclamation No. 299/2002
A commercial bank's Revised Credit Procedure Manual (2025), unnamed
World Bank Group: Ethiopia Country Climate and Development Report (2024) and Making Ethiopia's Financial Sector Work for Women (2024)
International frameworks: UNEP FI Principles for Responsible Banking, IFC Performance Standards and exclusion list, ICMA Green Bond Principles, Basel Committee climate risk principles

Examples and organizations are fictional. Apply your own organization's approved policies.