Personal credit analysis

(NQF Level 5 – 45 credits)


This short course is targeted at individuals working in the financial services sector, as well as employers who wish to sponsor these individuals. When combined to earn a minimum of 120 credits, the learner will be awarded with the National Certificate Banking, one of the FSB recognised qualifications for Category One institutions. The course can be delivered either using a blended model of distance learning combined with online resources and a coach, or through workshops delivered at the premises of a company (with a minimum of 8 students).


This course is targeted at individuals required to assess a credit application for an individual, sole proprietorship, or partnership, as well as finalise the credit recommendation and documentation and monitor the credit risk.

Learning Outcomes:

Upon completion of the course, the candidate will know how to:

  • Conduct pre-screening: ensure relevant documentation is received and applicant is eligible and has contractual ability; conduct initial credit checks
  • Analyse the business/personal environment of the customer, including stability of employment
  • Analyse the purpose of the credit facility being requested
  • Analyse the customer’s financial information to establish repayment ability
  • Assess the security offered by the customer in relation to the credit facility required
  • Match customer’s needs with the relevant products
  • Conclude a credit recommendation, including any documentation and security to be requested, covenants to be maintained, and any other specific conditions
  • Inform the client of the decision
  • Monitor, review and manage the credit risk

Unit Standards awarded on successful completion of this course:

  • SAQA ID: 7344 (45 credits)

Fill out the Pre-Registration Form today!

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