Legal and Compliance Risks in Credit and Loan Default Management

Rationale:

With rising loan defaults and increasing regulatory scrutiny, financial institutions face significant legal and compliance risks This course addresses the urgent need for professionals to understand and manage these risks effectively. It supports capacity building in line with Ghana’s financial sector reforms and global best practices.

Course Objective:

• Understand the legal foundations of credit and loan agreements.
• Identify key compliance risks in credit administration and default management.
• Analyse the implications of regulatory breaches and non-performing loans (NPLs, June 2025).
• Apply legal and compliance tools to mitigate risks in loan recovery processes.
• Engage with regulators and legal systems effectively during credit enforcement

Course Content:

• Legal Foundations of Credit and Lending
• Compliance Risks in Credit Administration
• Loan Default and Legal Enforcement
• Risk Mitigation and Strategic Compliance
• Guidelines on Management and Measurement of Credit Concentration Risk (2025)
• Directive on Willful Loan Defaults (2025)
• Guidelines on Management and Measurement of Credit Concentration Risk (2025)

Learning Outcome:

• Gain a working knowledge of legal instruments and compliance frameworks.
• Be equipped to assess and respond to legal risks in credit operations.
• Improve institutional resilience against regulatory penalties and reputational damage.
• Enhance collaboration between credit, legal, and compliance departments.