The project
A major UK bank faced a recurring and complex training challenge: how to efficiently equip lateral and internal transfers and new hires with the diverse competencies required in pivotal lending roles. Employees transitioning into positions such as credit analysis or relationship management, needed to quickly develop:
- Strong technical expertise in financial analysis
- The ability to structure complex lending products
- Advanced relationship management capabilities
- Sound credit assessment and decision-making skills.
These roles demanded immediate proficiency. However, traditional training models were providing too slow, too generic, or too disruptive to day-to-day operations. Our client required a flexible, scalable, and cost-effective solution that would guarantee technical competence and professional confidence – without interrupting business performance.
The solution
We designed and delivered a Lending Skills CPD Programme, specifically tailored to their needs offering a scalable, blended learning solution.
- Pre-work to establish foundational knowledge
- Three-hour interactive virtual workshops, delivered live by expert facilitators in small, collaborative groups
- A comprehensive Learning Management System (LMS) hosting all programme materials
- Self-paced learning through interactive Rise workbooks and practical case studies
- Mock exams to reinforce learning and prepare for assessments
- A final CPD exam to verify competency.
- Holistic understanding of financial products
- Client needs assessment
- Credit application writing and review
- Financial ratio analysis and risk identification
- Evaluating repayment capacity through forecasts and sensitivity analysis
- Structuring finance solutions that balance client objectives and bank risk
All learning content remained available post-programme, creating an on-demand support resource for on-the-job reference. The blended format also allowed learners to progress at their own pace, fitting professional development around demanding work and personal schedules.
The impact
Upon completion, participants sat a CPD examination, ensuring validated and measurable competence:
- Critically evaluate a customer’s business model, identifying financial and non-financial risks
- Assess management strength, succession planning, and strategic direction
- Analyse financial ratios and trends to detect emerging risks
- Evaluate repayment capacity using budgets, forecasts, and sensitivity analysis
- Compare financing options to design well-structured lending solutions
- Present balanced, well-supported credit decisions with appropriate covenants and conditions.
The programme continues to be a core element of the bank’s CPD, evolving in alignment with the bank’s needs.
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