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Certifying

Professional Certificate in Credit Analysis and Risk Management

Master credit analysis and risk management to guide lending decisions, calibrate scoring, and optimize the portfolio. UNIVGA professional certificate 100% online, asynchronous, designed for immediate operational application (5–8h/week).

Professional Certificate in Credit Analysis and Risk Management

Description

Presentation & method : This training addresses the current challenges of credit analysis and risk management for professionals responsible for managing portfolios, making financing decisions, and pricing. You will develop operational skills such as scoring, PD/LGD modeling, provisioning according to IFRS 9, credit pricing, portfolio management (VaR, CVaR), and recovery strategies. The curriculum is delivered according to the UNIVGA method: 100% online, asynchronous, 24/7 access with written courses + PDF materials + case studies from banks, financing institutions, and companies. The sequences prioritize immediate application through practical cases and real data sets to produce reusable deliverables in position. The content incorporates international standards (Basel III, IFRS 9, OHADA/SYSCOHADA) and standard market tools (advanced Excel, Python/R, Power BI, SQL). The pace is adapted for working professionals: approximately 5-8 hours per week over ~3 months for rapid and operational skill development.

Professional impact & certification : At the end of the training, you will be able to make better-argued credit decisions, optimize provisions and pricing, and improve portfolio resilience. You gain legitimacy to advance internally, claim increased responsibilities, or propose consulting/freelance missions. The acquired skills allow you to produce regulatory reports and operational dashboards immediately usable by your teams. The professional format emphasizes the production of tools and models directly applicable in your client files. Training is open to active professionals seeking direct application in the company. The course concludes with the UNIVGA Professional Certificate, which is valuable for your CV and LinkedIn profile.

What you will learn

Optimize the selection and acceptance of credit applications
Calibrate a scoring model on Python or R
Manage provisioning according to IFRS 9
Measure VaR, CVaR, and economic capital
Automate credit monitoring with Power BI/SQL
Design restructuring plans and recovery strategies
Coverage of the training manual — Professional Certificate in Credit Analysis and Risk Management

The Complete Training Manual

The entire educational content of "Professional Certificate in Credit Analysis and Risk Management," in PDF format and available for offline consultation so you can review wherever you are.

  • All Program Lessons
  • Key points and concrete examples
  • Application exercises
  • Frequently Asked Questions (FAQ)
  • Questions d'approfondissement
  • Glossary
This manual is a revision support independent, distinct from the training. Its purchase does not grant access to the courses or the certificate, and enrollment in the training does not include it either — both are sold separately.
TRAINING PROGRAM
5 Modules 15 Lessons
Build and validate a credit score on Python (scikit-learn)
Estimate Probability of Default (PD) and Loss Given Default (LGD) with internal data
Integrate macroeconomic scenarios and stress testing for IFRS 9
Normalize and analyze financial statements according to SYSCOHADA and IFRS for credit decision-making
Model cash flow, DSCR, and repayment capacity (case studies for SMEs and large companies)
Evaluate collateral, covenants, and legal risks for granting and monitoring
Calculate spreads, yields, and pricing of credit lines and debt securities
Measure portfolio risks: credit VaR, CVaR, concentration, and stress
Optimize allocation and economic capital (RAROC, ICAAP, and prudential rules)
Design credit dashboards using advanced Excel, Power BI, and SQL
Define credit policies, limits, and governance in compliance with Basel and local authorities
Automate the credit workflow: automatic scoring, alerting, and RPA
Segment receivables and prioritize recovery actions through a data-driven approach
Negotiate and formalize restructuring and refinancing plans (case studies banks/SMEs)
Report: provisioning reporting, accounting treatments, and judicial/extrajudicial outcomes

Admission Requirements

Tag

Certification Training — Open to Everyone

No academic prerequisites required

UNIVGA's certified training courses are accessible to general public, without any prior educational requirements. Only one document is needed to get started:

🪪 Copy of ID

💳 Advance payment possible. Payment can be made in advance. The training will effectively begin after receipt and validation of a copy of your identification document by the administration.

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Document transmission

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Online - Pre-registration Form

Submit your documents directly through our secure online form.

📝 Pre-registration Form
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In person — UNIVGA Group Headquarters

Libreville, Nzeng-Ayong Neighborhood, Chantier Moderne — top floor, door on the right of the tiled building opposite Plaisance.

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Payment methods

Tuition fees can be paid in several ways:

📱 Mobile Money Online on this site On-site at headquarters 🌍 International transfer

To find out the precise payment details suitable for your situation, please contact UNIVGA administration directly.

Contact Administration
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Training start

Given the nature 100 % Digital courses generally begin 1 to 3 business days after payment confirmation. This time frame allows the administration to prepare your file and create your student account.

How is your training going?

Each lesson is structured in progressive steps. You must complete the 3 mandatory activities to unlock the next lesson.

Shield

Support & Guided Autonomy

Autonomous training with dedicated administrative assistance

The certification training is based on a model 100 % standalone, designed to fit your schedule. You are continuously accompanied by The UNIVGA administrative team and benefit from a automated tracking of your progress, without time constraints.

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UNIVGA Administrative Team

Our team is available to answer your administrative questions and support you throughout your journey towards the certificate issued by the UNIVGA GROUP.

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Automatic corrections

Each activity is instantly assessed with immediate feedback on your answers and mastery level.

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Progress Tracking

Your progress is tracked lesson by lesson, with clear validation indicators for each step.

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Access at your own pace — maximum duration: 3 months. Degree programs follow a personalized schedule. The certification training fully adapts to your timetable.

You can progress at your own pace and finish well before the 3 months by validating your activities quickly — however, each lesson must be completed before moving on to the next.

ℹ️

This operating procedure is specific to certification training programs. Degree programs benefit from complete human support: dedicated instructors, a personalized academic calendar, video conferencing sessions, and proctored assignments.

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Lesson Unlock Rule

To access the next lesson, you must complete the 3 mandatory activities from the current lesson:

🔑 Key Points 🎯 Scenario 📝 Evaluation
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Personalized Coaching — On Demand

Option available only for certificates issued by the UNIVGA GROUP, after evaluation by the management

Would you like to benefit from Personalized human supervision ? Video explanation sessions and monitored assignments via videoconference can be added to your certification training. upon request, for a fee determined by your profile — this option is not included by default in certification training.

The management will evaluate your situation and offer you a custom quote — Individual coaching or corporate support. Note: Degree programs already include this comprehensive support as standard.

Contact Management
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The Essentials of the Course

Course + Audio + PDF

The core of your training. Each lesson includes a structured written course, an audio course for immersive listening and a Downloadable PDF to revise at any time, even offline. The content is organized progressively with definitions, concrete examples, and practical illustrations.

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Case study

A practical case study is integrated into each lesson with an in-depth explanation section to anchor theory in real-world situations.

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Lesson FAQ

5 frequently asked questions answered at the bottom of each lesson to address the most common doubts about the subject matter.

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Preparation questions

Questions at the end of the lesson to deepen your own research or prepare for discussions with your academic advisor.

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Key Points

10 enrichments 🔓 Required

10 carefully selected points to deepen your understanding beyond the essentials of the course. They offer additional perspectives, practical applications, and hands-on advice. The validation of this tab is required to unlock the next lesson.

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Setting the Scene

Professional graded simulation 🔓 Required

You are placed in an interactive professional simulation. Real decisions are presented to you with immediate feedback and detailed correction. Your grade has been recorded and counts towards your academic progress. Validating this tab is mandatory to unlock the next lesson.

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Evaluation

20 varied questions quiz 🔓 Required

A 20-question quiz with varied formats (multiple choice, true/false, matching, practical case studies, etc.) to validate your mastery of the chapter. Instant results with detailed corrections. This grade counts towards your overall average. Validating this tab is mandatory to unlock the next lesson.

Frequently Asked Questions

Yes. The UNIVGA GROUP is registered with the National Agency for Investment Promotion of Gabon (ANPI-Gabon) and has all the legal registrations: NIF 370669-C, RCCM GA-LBV-01-2020-A10-01945 and CNSS 014-0205895-A. The institution is a professional training establishment recognized by the Gabonese state, authorized by the Ministry of National Education, Civic Instruction and Professional Training (authorization n° 000306/MENICFP/SG/DGFP/DFP). It issues training certificates. The UNIVGA GROUP prepares for the DTS in the relevant fields.

GROUPE UNIVGA issues training certificates, recognized by all its international partners. GROUPE UNIVGA prepares for the DTS in the relevant fields. Bachelor's and professional Master's degrees are diplomas issued by the École Supérieure de Gestion et d'Informatique (ESGI) and prepared with UNIVGA. Bachelor's and MBA degrees are diplomas jointly issued by the AEES and GROUPE UNIVGA.

CINVU (COMSTECH Inter-Islamic Network on Virtual Universities) is a cooperation network among virtual universities. GROUPE UNIVGA has been a member since 2019 (identifier CINVU11GA2019I1156) and sits on its executive committee. This is a membership in a network, not an accreditation of the programs.

The headquarters of the UNIVGA GROUP is located in Libreville, Gabon — Nzeng-Ayong neighborhood, Chantier Moderne, top floor, door on the right of the tiled building opposite Plaisance. Although our teaching is 100% online, we have a physical presence for welcoming students, receiving enrollment documents, and processing tuition payments.

GROUPE UNIVGA is the official and administrative name of the institution, the one that appears on all legal documents, registrations, and ministerial authorizations. «Université Virtuelle du Gabon» (or UNIVGA) is the trade name adopted to reflect the institution’s fully digital nature and to make it easier for the public to identify it. It is therefore the same entity: the administrative name is GROUPE UNIVGA, and the commonly used name is Virtual University of Gabon.

Each lesson is structured in several progressive steps. You begin with the Course Essentials (written text + audio + downloadable PDF), which includes a case study explained in detail, a FAQ, and preparation questions. Then, you complete 3 mandatory activities: Key Points (10 enrichments), Role Play (professional decision simulation), and Assessment (timed quiz). All 3 activities must be completed to unlock the next lesson.

Yes. Each lesson includes an audio course that you can listen to at any time, as well as a downloadable PDF containing all of the written content of the lesson. This allows you to review offline, on the go, or without internet access. The audio content is particularly popular with students who want to learn while mobile.

Each lesson includes a practical case study directly integrated into the course content. It is accompanied by an in-depth explanation section to help you understand how theory applies in a real-world situation. These cases are drawn from actual professional contexts (African and international) and allow you to ground your learning in practice from the very first reading.

The preparation questions at the end of each lesson serve a dual purpose. First, they allow you to deepen your understanding of the course through your own research and personal reflection. Second, for students pursuing a degree, they serve to prepare you for discussions during your videoconferenced course explanation sessions with your academic advisor. By working on them in advance, you will get the most out of each session.

Yes, all mandatory activities (Key Points, Role-Playing, Evaluation) are automatically graded by the platform. You get immediate feedback on your answers with your score and mastery level. This allows you to quickly identify your weaknesses and review the necessary concepts before continuing your progress.

The progressive unlocking system ensures that each student truly grasps the concepts before moving on. The 3 mandatory activities (Key Points, Scenario, and Assessment) verify different skills: comprehension, decision-making, and recall. This rigorous pedagogical model ensures the quality of the course and the value of your training.

For a certified training program, only a copy of your ID is required. Certified training programs are open to the general public without prior educational qualifications. You can even make the payment in advance—the training will effectively begin after your ID has been received and validated by the administration.

You have two options. You can submit your documents directly online via the pre-registration form at univga.org/preinscription/, or visit the UNIVGA Group headquarters in person in Libreville, Nzeng-Ayong neighborhood, Chantier Moderne (top floor, door on the right of the tiled building opposite Plaisance). In both cases, your documents will be verified before official validation.

UNIVGA accepts several payment methods: Mobile Money, online directly on the website, in person at the Libreville headquarters, or by international transfer. To get the exact details for your payment method, please contact UNIVGA administration directly via the "Contact Us" tab on this page.

Thanks to the institution’s fully digital system, courses typically begin within 1 to 3 business days after your payment is confirmed. This short turnaround time allows the administration to finalize your enrollment, create your student account, and set up your access to the platform with all your courses.

The maximum duration of this certification training is 3 months. However, since you progress at your own pace by completing the activities of each lesson, you can certainly finish well before the 3 months if you progress quickly. There are no time constraints or imposed academic calendar — unlike degree programs.

By default, certified training courses operate autonomously with the assistance of the administrative team. However, if you wish to benefit from personalized human support (video conference explanation sessions, supervised assignments), this option is available upon request from management. After evaluating your situation, a personalized quote will be offered to you – whether for individual support or corporate coverage.

Certification programs provide a certificate of competence attesting to your mastery of the studied field. These certificates are recognized by all international partners of GROUPE UNIVGA. This is not a LMD university degree. For a degree program (Bachelor, Master, MBA), you must enroll in one of the degree programs at UNIVGA, which benefit from comprehensive support with dedicated teachers, an academic calendar, and monitored assignments.

You benefit from the assistance of the administrative team of UNIVGA for all your administrative and technical questions. Support is provided during the week, with a minimum service on weekends. Each activity is automatically evaluated with immediate feedback on your answers, and your progress is tracked lesson by lesson through clear indicators. The FAQ integrated into each lesson addresses the most common doubts, and the preparation questions guide you in your personal research.

The main difference lies in the support and recognition. Degree programs (Bachelor, Master, MBA) include complete human support: dedicated teachers, videoconference sessions, personalized academic calendar, monitored assignments, and defense for levels L3 and above. Certification programs, on the other hand, are 100% self-directed, open without prerequisites, with a maximum duration of 3 months, providing administrative support and automated corrections. Personalized support is available upon request for an additional cost.

Online admission

This training is certifying Your registration is immediate upon receipt of your payment. The form below is intentionally short.

3-step procedure

  1. Please complete your registration form below (approx. 2 min).
  2. You are processing the payment: «Send and pay now», or later via the link sent by email.
  3. Upon confirmation of payment, your training space will be activated.

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