{"id":100008,"date":"2026-05-01T14:35:12","date_gmt":"2026-05-01T13:35:12","guid":{"rendered":"https:\/\/univga.org\/courses\/certificat-professionnel-en-analyse-financiere-et-risque-de-credit-analyse-de-credit-pme\/"},"modified":"2026-05-01T14:35:12","modified_gmt":"2026-05-01T13:35:12","slug":"professional-certificate-in-financial-analysis-and-credit-risk-sme-credit-analysis","status":"publish","type":"courses","link":"https:\/\/univga.org\/en\/courses\/certificat-professionnel-en-analyse-financiere-et-risque-de-credit-analyse-de-credit-pme\/","title":{"rendered":"Professional Certificate in Financial Analysis and Credit Risk"},"content":{"rendered":"<p>Financing SMEs and corporate enterprises is at the heart of transforming African economies, driven by banking, Mobile Money, and the rise of FinTech. In this context, mastering credit analysis and counterparty risk management becomes strategic for banks, MFIs, and non-bank actors. Between the requirements of the banking sector, the practices of the financial industry, and international standards (Basel III, IFRS 9), institutions seek professionals capable of reading SYSCOHADA financial statements, assessing the sustainability of cash flows, calibrating guarantees, and making informed decisions. This certificate meets a growing demand in the markets of Central, West, and East Africa, as well as among international teams exposed to African portfolios, by offering expertise that can be immediately mobilized in agencies, back-office, risk management, and credit direction.<strong>100% online learning<\/strong> , asynchronous, with a sustainable pace of. <strong>It combines financial diagnostics on SYSCOHADA statements, modeling of<\/strong> devient strat\u00e9gique pour les banques, IMF et acteurs non bancaires. Entre les exigences de <strong>Evaluate and calculate LCR and NSFR in the CEMAC\/UEMOA context<\/strong>, les pratiques de la <strong>BCEAO<\/strong> et les normes internationales (<strong>B\u00e2le III<\/strong>, IFRS 9), les institutions recherchent des professionnels capables de lire les \u00e9tats financiers SYSCOHADA, d\u2019\u00e9valuer la soutenabilit\u00e9 des flux, de calibrer des garanties et de prendre des d\u00e9cisions \u00e9clair\u00e9es. Ce certificat r\u00e9pond \u00e0 une demande croissante sur les march\u00e9s d\u2019Afrique centrale, de l\u2019Ouest et de l\u2019Est, ainsi qu\u2019aupr\u00e8s d\u2019\u00e9quipes internationales expos\u00e9es aux portefeuilles africains, en offrant une expertise imm\u00e9diatement mobilisable en agence, back-office, risques et direction du cr\u00e9dit.<\/p>\n<p>La m\u00e9thode UNIVGA privil\u00e9gie l\u2019<strong>apprentissage 100% en ligne<\/strong>, asynchrone, avec un rythme soutenable de <strong>5 to 8 hours per week<\/strong>. Elle combine diagnostics financiers sur \u00e9tats SYSCOHADA, mod\u00e9lisation des <strong>ratios and scoring<\/strong>, targeted sector analysis for African SMEs, and <strong>practical projects<\/strong> based on real cases (commercial banks, microfinance institutions, lending FinTechs). The tools and procedures are aligned with the <strong>COBAC \/ Basel III<\/strong> (risk appetite, credit governance, IFRS 9 provisions, guarantees, AML-CFT\/KYC), and translated into operational checklists: structuring a loan, preparing a file, passing through the committee, post-disbursement monitoring, and early warning. The evaluations are based on graded case studies, committee simulations, and a certifying integrative project, ensuring the <strong>quality<\/strong> and immediate transferability of skills in African and international environments.<\/p>\n<p>At the end of this program, you will be equipped to contribute to robust and compliant decisions within <strong>commercial banks<\/strong>, <strong>microfinance institutions<\/strong>, <strong>FinTech<\/strong> credit institutions, <strong>insurance companies<\/strong>audit\/consulting firms,<strong>and regulators (BEAC\/COBAC, BCEAO). The certificate opens opportunities in front-office SME, credit\/risk analysis, back-office guarantees, AML-CFT\/KYC compliance, and amicable recovery, with prospects for advancement to<\/strong>senior positions <strong>(credit manager, risk manager, chief credit officer, IFRS 9 analyst). It concretely enhances your profile on a banking CV through a<\/strong> recognized certification, attesting to your ability to read SYSCOHADA financial statements, structure safe operations, manage risk according to <strong>UNIVGA<\/strong> COBAC \/ Basel III <strong>and improve the performance of SME portfolios in demanding African contexts.<\/strong> Train in SME credit analysis to accelerate your career in African banking, microfinance, and FinTech. Certifying UNIVGA, aligned with COBAC \/ Basel III, this practical program equips you to decide, structure, and monitor performing and compliant loans.<\/p>","protected":false},"excerpt":{"rendered":"<p>Read and interpret SYSCOHADA financial statements of African companies<\/p>","protected":false},"author":1,"featured_media":0,"template":"","course-category":[1936],"course-tag":[],"class_list":["post-100008","courses","type-courses","status-publish","hentry","course-category-departement-banque-finance-assurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Certificat Professionnel en Analyse Financi\u00e8re et Risque de Cr\u00e9dit \u2014 Analyse de Cr\u00e9dit PME - UNIVGA<\/title>\n<meta name=\"description\" content=\"Formez-vous \u00e0 l\u2019analyse de cr\u00e9dit PME pour acc\u00e9l\u00e9rer votre carri\u00e8re en banque, microfinance et FinTech africaines. 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