Credit Policy Oversight & Lending Risks Training Board Members

Course Overview

Credit Policy Oversight for SACCOs is a specialized training program designed to equip board and committee members with the knowledge and tools to effectively manage and monitor SACCO lending operations. The course focuses on maintaining a healthy loan portfolio, minimizing defaults, and ensuring that credit practices align with both regulatory standards and the SACCO’s long-term sustainability goals.

Through interactive discussions and real-life case studies, participants learn to evaluate loan performance, identify potential risks early, and strengthen internal controls that promote transparency and financial discipline.

Objectives

By the end of this course, participants will be able to:

Understand the board’s role in developing, enforcing, and reviewing credit policies.
Monitor the health and performance of the SACCO’s loan portfolio.
Detect and respond to early warning signs of delinquency.
Align lending decisions with the SACCO’s financial stability and compliance obligations.

This course helps SACCO leaders strengthen oversight capacity, minimize risks, and ensure sustainable lending practices.

Target Audience

This training is ideal for:

Credit and Risk Committee members are responsible for credit monitoring and analysis.
Board members are involved in approving and reviewing lending policies.
Supervisory Committee Members tasked with evaluating credit performance and compliance.

Course Content

Essential Components of a SACCO Credit Policy
Explore the foundational elements of an effective credit policy, including loan eligibility, limits, and approval structures.
Lending Limits, Member Eligibility, and Documentation
Learn how to establish proper lending criteria, documentation processes, and loan disbursement controls.
Identifying Delinquency Metrics and Early Warning Signs
Understand how to monitor repayment trends, detect potential risks, and implement corrective measures.
Diversifying Loan Portfolios and Categorizing Risks
Discover strategies to balance risk exposure and maintain a resilient loan portfolio.
Ensuring Compliance with Credit-Related Regulations
Review SASRA guidelines and other regulatory requirements governing SACCO lending operations.

Course Duration

Duration: 3 hours of hands-on, practical learning.

The training combines case discussions, group exercises, and scenario-based simulations to help participants apply oversight techniques in real SACCO environments.

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For more insights on SACCO growth, financial governance, and strategic development, visit Sacco Champions—your trusted partner in cooperative leadership and sustainability training.