← Erudite Africa Center of ExcellenceCourse folder
Bank and MFI
Credit, project finance, interest free banking, banking fundamentals and branch operations, built on Ethiopian bank practice and NBE directives.
For bank and MFI staff.
Credit Analysis Program
From the basics of lending to portfolio risk, built on Ethiopian bank credit practice and NBE directives.
- Level 1 · FoundationLevel 1: Credit FoundationsA practical first course for new credit officers in Ethiopian banks and MFIs: the rules and limits, the loan products, the intake interview, basic ratios and collateral, and the loan file from approval to disbursement.5 modules · 32 lessons · final exam · certificate
- Level 2 · IntermediateLevel 2: Credit Analysis and AppraisalTake a mid-sized commercial request from spread statements to a committee-ready recommendation, using one Ethiopian manufacturer as a running case.5 modules · 31 lessons · final exam · certificate
- IntermediateLoan Portfolio ManagementMove 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.5 modules · 30 lessons · final exam · certificate
- Level 3 · AdvancedAdvanced Credit and Portfolio RiskAppraise project loans, catch deterioration early, classify, provision and work out problem loans, and steer the whole portfolio under NBE rules.5 modules · 31 lessons · final exam · certificate
Project Finance Program
Project lending from feasibility studies to financial appraisal, structuring, risk, monitoring and syndication.
- Level 1 · FoundationProject Appraisal Level 1: Project Finance FoundationsA practical introduction to project lending for Ethiopian credit officers. Follow Sebeta Pasta and Flour PLC from a loan request to a staged disbursement plan, and learn to screen studies, rebuild project cost, test equity and value cash flows.5 modules · 29 lessons · final exam · certificate
- Level 2 · IntermediateProject Appraisal Level 2: Financial Appraisal and Loan StructuringBuild and defend the financial case for a project loan, from revenue assumptions and NPV to a repayment schedule the project can actually meet.5 modules · 32 lessons · final exam · certificate
- Level 3 · AdvancedProject Appraisal Level 3: Advanced Project Risk, Structuring and MonitoringFor senior analysts and committee members: measure how much risk a project really carries, design a financing and security package that allocates it sensibly, and manage the loan through construction, start-up and distress.5 modules · 30 lessons · final exam · certificate
- AdvancedSyndicated Loans and Cross-Border Project FinanceLearn how Ethiopian banks share deals that exceed one bank's 25% large-exposure limit and bring in DFIs and foreign lenders, following one cement expansion from the participation decision to signing.5 modules · 30 lessons · final exam · certificate
Interest Free Banking Program
Interest free financing from Sharia'h principles and contracts to processing, approval, follow-up, problem finance and portfolio management.
- Foundation · CertificateInterest Free Banking Financing: FoundationLearn why interest free financing works differently from a loan, name the main contracts and when each fits, and screen a customer and a business for Sharia'h compliance, through a week as IFB relationship officer at Bank A's Kezira branch in Dire Dawa.6 modules · 35 lessons · final exam · certificate
- Practitioner · Professional CertificateInterest Free Banking Financing: PractitionerLearn to process interest free financing from first interview to disbursement: Murabaha, Bai' Salam, Istisna', Ijarah, Diminishing Musharakah, Tawarruq and Tijarah, the bank's IFB products, the Financing Approval Form, pricing, rebate and damage, collateral, takaful and the disbursement file, following a coffee exporter and a garment factory in Dire Dawa.9 modules · 46 lessons · final exam · certificate
- Advanced · Executive CertificateInterest Free Banking Financing: AdvancedFor decision makers: sit on an IFB financing committee, grade and monitor risk, work out problem financings without adding profit for time, write off on evidence and manage the portfolio, following one coffee exporter from approval to workout.7 modules · 35 lessons · final exam · certificate
School of Banking Fundamentals
The core knowledge every banker needs, from regulation and funding to trade finance, treasury, digital banking and customer service.
- FoundationalEthiopian Banking Law and RegulationA plain-language map of Ethiopian banking regulation after the 2024 to 2025 reforms, from the new NBE and Banking Business proclamations to capital, exposure, provisioning and KYC rules.5 modules · 31 lessons · final exam · certificate
- Foundational to IntermediateResource Mobilization Strategies and FrameworksFrom the deposit products and a 30-day branch plan to cost of funds, the loan-to-deposit ratio, funds transfer pricing and a three-year funding strategy, built on Ethiopian rules and one running bank case.5 modules · 33 lessons · final exam · certificate
- Foundational to IntermediateInternational Trade Finance InstrumentsLearn the payment methods, documents, collections, letters of credit and guarantees Ethiopian banks use for trade, then check documents and structure deals for a coffee exporter and a Hawassa garment maker.5 modules · 30 lessons · final exam · certificate
- FoundationalDigital Banking and Fintech IntegrationA practical foundation course on Ethiopia's digital finance ecosystem: how digital payments flow, the rules frontline staff must apply, safe Fayda-based onboarding, complaint handling and fraud prevention.5 modules · 31 lessons · final exam · certificate
- FoundationalCustomer Service and Retail Banking ExcellenceBuild the service skills and retail product knowledge that Ethiopian branches need, from busy salary-day queues to remittance payouts and complaints, using one Addis Ababa branch as a running case.5 modules · 30 lessons · final exam · certificate
- FoundationalSales and Negotiation SkillsFollow a needs-based sales process from prospecting to closing, handle objections honestly and negotiate a simple deal on interests, using a coffee exporter and an NGO payroll deal as running cases.5 modules · 31 lessons · final exam · certificate
- FoundationalInternational Money Transfers and RemittancesA practical course for remittance desk and branch staff on how money reaches Ethiopia through money transfer operators, banks and wallets, how to pay out and send transfers under the post-2024 FX rules, and how to protect customers and the bank from fraud and money laundering.5 modules · 32 lessons · final exam · certificate
- IntermediateEthiopian Regulatory Landscape for International OperationsInterpret Ethiopia's FX, investment and AML/CFT rules for complex cross-border requests, assess correspondent relationships, and brief your board on the arrival of foreign banks.5 modules · 30 lessons · final exam · certificate
- IntermediateTreasury and Forex ManagementBuild gap, duration and liquidity analysis, run the FX position within the NBE limit, price customer deals and forwards, and take decisions to a mock ALCO for one Ethiopian bank.5 modules · 30 lessons · final exam · certificate
- IntermediateSupply Chain Finance for Ethiopian Exports and ImportsDesign, price and control anchor-led supply chain finance, inventory and warehouse receipt finance, and export and import programmes, using one Ethiopian brewery and its 300 suppliers as the running case.5 modules · 30 lessons · final exam · certificate
- IntermediateForeign Exchange (Forex) Products and Risk ManagementAdvise Ethiopian importers, exporters and investors on FX risk under the post-2024 regime, from exposure mapping and forward pricing to a full hedging proposal for a pharmaceutical importer.5 modules · 29 lessons · final exam · certificate
Banking Operations
How a branch runs its domestic operations: accounts, deposits, cheques and clearing, transfers, cash and fraud controls.