Financial Management, Banking, and Insurance Germany

Non-Performing Loans Management Training Course

Non-performing loans management is the systematic process of identifying, monitoring, and resolving credit exposures where the borrower is in default or near-default. It enables professionals to minimize credit losses, maintain regulatory capital ratios, and restore institutional profitability. In an environment defined by macroeconomic volatility and tightening Basel III regulatory requirements, the gap between standard credit administration and effective distressed asset resolution has never been wider.

This course bridges that gap by providing a practitioner-led framework for managing the entire NPL lifecycle, from early warning signals to final recovery or portfolio sale. You will master the application of IFRS 9 Expected Credit Loss models and Asset Quality Review (AQR) standards while navigating modern pressures like AI-driven predictive analytics and digital debt collection workflows. Designed for Credit Risk Managers, Recovery Officers, and Financial Analysts, this program delivers the technical expertise required to build robust impairment matrices and execute complex debt restructuring plans. By the end of this training, you will be equipped to transform distressed portfolios into recovered capital using internationally recognized best practices in insolvency and collateral management.

Duration
5 Days
Duration
Certificate
Certificate
Included
Delivery
Instructor-Led
Delivery
Level
Foundation To Intermediate
Level
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Training Options

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Live Online Training

Join from anywhere with interactive virtual sessions

Starts
Ends
Mon - Fri (5 Days)
USD 850
Starts
Ends
Weekend (4 Wks)
USD 850
Starts
Ends
Mon - Fri (5 Days)
USD 850
Starts
Ends
Weekend (4 Wks)
USD 850
Starts
Ends
Weekend (4 Wks)
USD 850
Starts
Ends
Mon - Fri (5 Days)
USD 850
Starts
Ends
Weekend (4 Wks)
USD 850

Classroom Training

In-person sessions at premier locations

Nairobi Kenya
Mon - Fri
5 Days
USD 1,600
Kigali Rwanda
Mon - Fri
5 Days
USD 1,900
Dubai United Arab Emirates (UAE)
Mon - Fri
5 Days
USD 4,100
Addis Ababa Ethiopia
Mon - Fri
5 Days
USD 2,400
Customized Content
Team Training
Flexible Dates

In-person training at our premier venues — pick a city and date that works for you.

Location Duration Fee Language
Nairobi, Kenya Mon - Fri (5 Days) USD 1,600 English See dates & reserve →
Kigali, Rwanda Mon - Fri (5 Days) USD 1,900 English See dates & reserve →
Dubai, United Arab Emirates (UAE) Mon - Fri (5 Days) USD 4,100 English See dates & reserve →
Addis Ababa, Ethiopia Mon - Fri (5 Days) USD 2,400 English See dates & reserve →
Zanzibar, Tanzania Mon - Fri (5 Days) USD 2,400 English See dates & reserve →
Abuja, Nigeria Mon - Fri (5 Days) USD 2,800 English See dates & reserve →
Mombasa, Kenya Mon - Fri (5 Days) USD 1,700 English See dates & reserve →
Cape Town, South Africa Mon - Fri (5 Days) USD 3,900 English See dates & reserve →
Johannesburg, South Africa Mon - Fri (5 Days) USD 3,500 English See dates & reserve →
Kampala, Uganda Mon - Fri (5 Days) USD 1,900 English See dates & reserve →
Pretoria, South Africa Mon - Fri (5 Days) USD 3,300 English See dates & reserve →
Lagos, Nigeria Mon - Fri (5 Days) USD 2,500 English See dates & reserve →
Arusha, Tanzania Mon - Fri (5 Days) USD 2,000 English See dates & reserve →
Dar es Salaam, Tanzania Mon - Fri (5 Days) USD 1,900 English See dates & reserve →
Accra, Ghana Mon - Fri (5 Days) USD 3,800 English See dates & reserve →
Nakuru, Kenya Mon - Fri (5 Days) USD 1,600 English See dates & reserve →
Kisumu, Kenya Mon - Fri (5 Days) USD 1,600 English See dates & reserve →
Naivasha, Kenya Mon - Fri (5 Days) USD 1,700 English See dates & reserve →

Live, instructor-led sessions you can join from anywhere — pick the next start date below.

Code Start Date End Date Duration Fee
NPL-01 Mon - Fri (5 Days) USD 850 Reserve my seat → Reserve team seats →
NPL-01 Weekend (4 Weeks) USD 850 Reserve my seat → Reserve team seats →
NPL-01 Mon - Fri (5 Days) USD 850 Reserve my seat → Reserve team seats →
NPL-01 Weekend (4 Weeks) USD 850 Reserve my seat → Reserve team seats →
NPL-01 Weekend (4 Weeks) USD 850 Reserve my seat → Reserve team seats →
NPL-01 Mon - Fri (5 Days) USD 850 Reserve my seat → Reserve team seats →
NPL-01 Weekend (4 Weeks) USD 850 Reserve my seat → Reserve team seats →

Our instructor comes to your office — same curriculum and accredited certificate, with case studies built around the work your team actually does.

Team Training

Train your entire team together in a familiar environment for better collaboration

Fully Customized

Content tailored to your industry, tools, and specific business challenges

Cost Effective

Save on travel & accommodation costs when training multiple employees

Flexible Scheduling

Choose dates that work best for your team's availability and projects

How It Works
1
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2
Get a Custom Proposal

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3
We Come to You

Our certified trainer arrives ready to deliver impactful, hands-on training

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About the Course

Effective NPL management requires a shift from reactive debt collection to a proactive, data-driven resolution strategy. Organizations today demand results they can prove through transparent reporting and measurable recovery metrics. To succeed in this field, you must demonstrate five core capabilities: precise classification of Special Mention Accounts (SMA), accurate collateral valuation under distressed conditions, mastery of IFRS 9 impairment modeling, negotiation of sustainable forbearance agreements, and the ability to execute secondary market portfolio sales. This course moves beyond theoretical credit risk to provide a structured system for managing distressed assets in real-world banking and microfinance environments.

The curriculum is designed to turn scattered recovery efforts into a high-performance resolution engine. You will learn to apply the Basel III framework for capital adequacy and practice hands-on impairment calculations using discounted cash flow (DCF) methodologies. Specifically, you will practice designing Early Warning Systems (EWS) and be introduced to the legal complexities of cross-border insolvency frameworks. This course teaches you how to balance aggressive recovery targets with long-term stakeholder value, ensuring your institution remains resilient against credit shocks. We acknowledge the real-world constraints you face, including limited data quality, complex regulatory burdens, and the challenge of adopting AI-assisted recovery tools, and provide the templates and roadmaps necessary to deliver results under these conditions.


Target Audience

This program is essential for professionals responsible for maintaining asset quality and institutional solvency in the financial services sector.

This course is designed for:

  • Credit Risk Managers overseeing distressed asset portfolios
  • NPL Resolution Specialists managing high-value recovery cases
  • Bank Recovery Officers executing daily debt collection activities
  • Financial Analysts calculating IFRS 9 impairment provisions
  • Internal Auditors reviewing credit risk management compliance
  • Relationship Managers handling Special Mention Account transitions
  • Legal Counsel specializing in insolvency and debt restructuring
  • Compliance Officers ensuring alignment with Basel III standards
  • Asset Reconstruction Analysts valuing NPL portfolios for sale
  • Chief Risk Officers reporting asset quality to leadership

Course Objectives

This course equips you to design, execute, and report NPL management initiatives that maximize recovery, ensure regulatory compliance, and support strategic liquidity goals.

By the end of this course, you'll be able to:

  • Assess credit portfolio health using Asset Quality Review (AQR) standards
  • Apply IFRS 9 Expected Credit Loss models to calculate impairments
  • Design an Early Warning System (EWS) using predictive risk indicators
  • Construct sustainable debt restructuring plans for corporate and retail borrowers
  • Evaluate collateral value using distressed market haircut analysis techniques
  • Navigate complex insolvency frameworks to optimize legal recovery outcomes
  • Implement measurable NPL resolution targets using key performance indicators
  • Synthesize recovery data into actionable reporting for executive stakeholders

Requirements & Prerequisites

Participants should have a foundational understanding of credit risk and basic financial accounting. Familiarity with Excel for financial modeling is recommended as the course involves impairment calculations. No prior experience in legal insolvency is required.


Local Application and Business Return

How participants can apply the training in local operating conditions, and the return their organisation can plan for.

How participants apply this

In Germany, participants apply this training by classifying exposures, monitoring arrears migration, and escalating borrowers that show early signs of distress before they become full non-performing loans. They use IFRS 9 staging logic, collateral valuation, and restructuring analysis to decide whether an exposure should be cured, worked out, or transferred. In daily work, this also means coordinating with legal, finance, and collections teams to document recovery options and preserve audit evidence. For banks and lenders, the practical goal is to reduce loss severity while keeping impairment reporting and internal governance consistent.

Expected ROI

Within 6–12 months, teams typically see better identification of problem loans, faster recovery decision-making, and more consistent workout documentation. That usually translates into lower manual effort in collections reporting, fewer delays in restructuring approvals, and improved discipline around collateral and impairment review. Institutions also benefit from clearer portfolio segmentation, which helps focus staff time on the accounts most likely to deliver recoveries. In regulated environments, the training can reduce operational friction between credit risk, finance, and legal functions.

Training Methodology

This is a practical, outcome-driven course designed to turn NPL management theory into measurable action and credible reporting.

Methodology includes:

  • Hands-on impairment calculation exercise using an IFRS 9 ECL template
  • Scenario simulation requiring restructuring decisions for a distressed corporate borrower
  • Audit diagnostic using an Asset Quality Review (AQR) compliance checklist
  • Stakeholder mapping exercise for complex multi-creditor insolvency proceedings
  • Case study analysis from banking, microfinance, and retail lending sectors
  • Group workshop producing a 12-month NPL resolution action plan
  • Benchmarking exercise comparing institutional recovery rates against industry standards

Upcoming Sessions

Next available dates worldwide

Virtual

(Zoom) Training
USD 850
27th Jun-19th Jul 2026

Nairobi

Kenya
USD 1,500
13th Jul-17th Jul 2026

Kigali

Rwanda
USD 1,850
22nd Jun-26th Jun 2026

Dubai

United Arab Emirates (UAE)
USD 3,900
6th Jul-10th Jul 2026

Abuja

Nigeria
USD 2,800
22nd Jun-26th Jun 2026

Zanzibar

Tanzania
USD 2,400
29th Jun-3rd Jul 2026

Addis Ababa

Ethiopia
USD 2,500
13th Jul-17th Jul 2026

Mombasa

Kenya
USD 1,600
6th Jul-10th Jul 2026

Cape Town

South Africa
USD 3,500
29th Jun-3rd Jul 2026

Johannesburg

South Africa
USD 3,100
22nd Jun-26th Jun 2026

Pretoria

South Africa
USD 3,000
22nd Jun-26th Jun 2026

Kampala

Uganda
USD 1,800
22nd Jun-26th Jun 2026

Lagos

Nigeria
USD 2,500
29th Jun-3rd Jul 2026

Certification

Recognized credentials that advance your career

Participants who complete the Non-Performing Loans Management Training Program earn a Trainingcred Certificate of Achievement, demonstrating professional competence and alignment with global standards in learning and development.

NITA Accredited

Accredited by the National Industrial Training Authority, ensuring programs meet nationally recognized standards of quality and relevance.

CPD Certified

Recognized by the CPD Certification Service, ensuring every program meets internationally benchmarked standards of professional excellence.

Why this course earns its place on your CV

Accredited training, practitioner trainers, and peers on the same career track — the three things real expertise is built on.

Career Advancement

  • Boost your resume with certified expertise in Loan Management.
  • Empower your career trajectory with advanced NPL resolution skills.
  • Elevate your professional profile in the banking sector.

Expert-Led Training

  • Learn directly from financial industry leaders with decades of experience.
  • Gain insights from real-world cases presented by top NPL professionals.
  • Experience interactive sessions that bring theory to practical reality.

Practical Skills

  • Master the strategies to reduce and manage non-performing loans effectively.
  • Acquire hands-on skills through simulations based on actual NPL scenarios.
  • Implement proven techniques immediately in your role to improve loan recovery.

Tools and platforms relevant to this field

Examples Germany teams may encounter, and that may be featured in training where they support the confirmed course scope.

5

These are field-relevant examples, not a promise that every tool will be covered. Exact coverage depends on the confirmed course scope, participant needs, and delivery format.

  • SAP S/4HANA SAP
    Used by finance and risk teams to reconcile loan ledgers, track exposures, and support workflow integration between credit administration, collections, and finance.
  • Microsoft Power BI Microsoft
    Used to build NPL dashboards for watchlist monitoring, vintage analysis, arrears trends, and recovery performance reporting.
  • SAS Viya SAS
    Used for credit risk analytics, segmentation, and early-warning signal modelling across distressed loan portfolios.
  • OpenText Documentum OpenText
    Used to manage loan files, collateral documentation, restructuring records, and audit-ready evidence packs for recovery actions.
  • FICO Debt Manager FICO
    Used to automate collections prioritisation, repayment plan tracking, and outbound treatment strategies for delinquent borrowers.

Real Results from Real Professionals

Thousands of professionals have transformed their careers through our training programs. Now, it's your turn.

Local market advisory

Course relevance for Germany

A country-specific view of market pressure, regulatory context, and practical business return behind this training.

  • Market context
  • Regulatory fit
  • Business application

Regulatory context in Germany

The local regulators, laws, and frameworks shaping this discipline, with the curriculum mapped to what teams need to know.

4

Regulators

  • BaFin Germany’s financial supervisor; relevant for credit institutions’ governance, risk management, and non-performing exposure oversight.
  • Bundesbank Provides supervisory support and banking statistics that are relevant for monitoring credit quality and portfolio stress.
  • ECB Direct supervisor for significant euro-area banks; relevant for NPL management, asset quality review expectations, and supervisory reviews.
  • EBA Issues EU-wide supervisory standards and guidelines that shape credit risk, default identification, and NPE management practices.

Frameworks the course aligns with

  • 01 Capital Requirements Regulation · 2013
  • 02 German Banking Act · 1961
  • 03 Insolvency Code · 1994
  • 04 Commercial Code

Frequently Asked Questions

Got questions? We've gathered the answers to common queries to help you feel confident and informed.

Who else has attended this training course?

Join global leaders and experts from top-tier organizations who have already benefited from this training. Here are just a few of our past participants:

Designation Organization
Practitioner Individual Participant, Kenya
Manager Portfolio Management-Corporate Banking CRDB Bank PLC, TANZANIA, UNITED REPUBLIC OF
Zonal Relationship Manager -Agribusiness CRDB Bank PLC, TANZANIA, UNITED REPUBLIC OF
Zonal Relationship Manager -Agribusiness CRDB Bank PLC, TANZANIA, UNITED REPUBLIC OF
Project Monitoring and Loan Recoveries Officer Export Develpoment Fund Limited, MALAWI
Deputy Director, Portfolio Management Kenya Development Corporation, Kenya

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It helps participants connect staging, expected credit loss assessment, and workout strategy so that accounting treatment and recovery action are aligned. That is important when a loan moves from performing to watchlist status and management needs consistent documentation for impairment and restructuring decisions.

Yes. Corporate lenders, leasing firms, and other credit providers face the same core tasks: spotting deterioration early, preserving collateral value, and negotiating viable restructurings. The difference is usually in process scale and the regulatory reporting obligations.

The most practical skill is building a repeatable NPL workflow: early warning, prioritisation, cure-or-restructure assessment, and recovery tracking. That workflow makes it easier to manage portfolios consistently and to explain decisions internally.

It should be used alongside the institution’s legal framework, because recovery actions depend on enforcement rights, collateral status, and insolvency procedures. In practice, delegates learn how to work with legal teams so that the financial and operational parts of recovery stay coordinated.

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