People in a classroom

Credit skills & lending for absolute beginners

This two day course provides a basic and simple introduction to lending skills and underwriting in banking and finance. Learn to assess lending cases using simple approaches to credit risk evaluation, written specifically for delegates with no credit training background.

Learn the skills needed to gather information to support a lending request, and quickly analyse the quality of credit using basic analytical tools. Learn the five simple steps to writing a compelling credit report for underwriting.

The course will use practical worked examples, including accounting information and credit reference data, helping you form lending decisions on typical lending proposals. Working in small groups, you will practice and build your credit assessment skills, and will leave the course confident in your ability to prepare quality credit reports independently.

Learning outcomes

On completion of the course participants will be able to:

  • Measure the 3 P’s of a Profit & Loss account: performance, profit, and prospects
  • Identify the 3 S’s of a Balance Sheet: strength, security, and sustainability

  • Learn what information you need from a customer - and how to ask for it
  • Read credit reference data reports – what the customer might not tell you

  • Financial ratios made easy – simple tools for critical analysis
  • Analysing performance over time - practical trend comparison

  • Demystifying cash flow and assessing affordability
  • Comparing debt service costs with repayment ability

  • Presenting the facts – what to include in a credit proposal
  • Report writing for business – structure and style

Who should attend?

Support staff and assistants in Banking & Finance looking to improve their credit skills. Those looking to progress into relationship or credit risk roles for the first time. Suitable if you are a newly appointed relationship manager looking for initial foundation training in credit skills.

Course instructor

Headshot of David ConnollyDavid Connolly
David has an extensive expertise in business-to-business lending and relationship management developed over a long career in UK Banking & Finance.

He developed his Credit Skills in Banking and Finance initially as a credit underwriter, before moving to credit policy, then on to customer facing activity leading roles relationship manager teams across the UK (which he tongue in cheek describes as his gamekeeper turned poacher period).

Credit skills and credit skills training has been a passion of his throughout his career. In 2017, before leaving RBS after 30 years, he coached 34 Relationship Managers through their first ever Professional Lending Qualification, achieving a 100% candidate pass rate.

David is professionally qualified in credit and lending, an accredited six-sigma lean practitioner, and a Chartered Banker. He brings practical skills in Commercial and Corporate Credit Risk, Client Relationship Management, Leadership and Management development.

Dates and location 

Registration and fees

Register online or contact our events team on +44 (0) 20 7337 6286 or

*Special early bird discount price of £745*
Book your place by Friday 11 August using promotional code: EARLY

  • Members  £890
  • Non-Members  £980

Registration fee includes all learning materials, lunch and refreshments.

Register now

Multiple bookings and in-house delivery

Discounts are available for group bookings . If you have five or more delegates who wish to attend this course, it may be more cost effective to run it in-house. To find out more about group discounts and in-house delivery, please contact the Events team at or on +44 (0) 20 7337 6286

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