Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok

Programme Overview

Commercial banks and participating financial intermediaries face structural difficulties when extending liquidity to informal micro, small, and medium enterprises.⁣​‌​‌​​‌​​‌‌​‌‌​​​‌‌​‌​‌​​​‌‌​‌​‌​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​‌​⁣ This four-day intensive programme in Bangkok provides credit practitioners with technical frameworks to evaluate unbanked and informal operators effectively. Delegates evaluate the shift from traditional asset-backed lending to proxy-based cash-flow verification. Through structured exercises, participants acquire the institutional capabilities required to deploy loan proceeds responsibly, safeguard portfolio performance, and expand private sector credit reach.

The curriculum addresses the operational realities of enterprises lacking audited accounts, registered collateral, and formal business licences. Participants master indirect verification methodologies, psychometric appraisals, and field-level transaction audits. Central bank supervisors and commercial risk professionals examine underwriting mechanisms that conform to prudential norms while mitigating transaction expenses. By analysing alternative data sources and sector-specific cash conversion cycles, attendees prepare their lending windows to process high volumes of micro-claims without inflating default probabilities.

Delivered through practical case exercises and regulatory alignment workshops, the course links commercial underwriting mechanics with supervisory expectations. Lending officers, portfolio managers, and central bank specialists formulate actionable credit policy adjustments tailored to transition economies. The training enables financial institutions to construct resilient credit products, execute reliable repayment schedules, and monitor early warning deterioration indicators across post-crisis economic recovery windows, ensuring sustained capital circulation to vulnerable yet viable informal commercial segments.

Financial systems in developing markets face urgent demands to channel emergency recovery liquidity to informal operators that sustain local supply chains and household livelihoods.⁣​‌​‌​​‌​​‌‌​‌‌​​​‌‌​‌​‌​​​‌‌​‌​‌​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​‌​⁣ In countries such as Lao PDR, access to finance initiatives, including the Micro, Small, and Medium Enterprise Access to Finance Emergency Support and Recovery Project, require financial intermediaries to intermediate capital rapidly and prudently. Establishing rigorous, non-traditional credit underwriting standards ensures that donor-supported liquidity facilities reach target informal enterprises without generating unmanageable non-performing loan burdens.

Delivered by Risalat Consultants International in Bangkok, Thailand, it combines expert-led sessions, real cases and group work, so that participants can apply what they learn in their own institution.

The Programme Strengthens Institutional Capability

• Informal economy enterprise dynamics: Business typologies, revenue cycles, and informal accounting practices
• Proxy cash-flow underwriting: Reconstructing turnover through supplier receipts, utility payments, and field verifications
• Working capital estimation models: Determining genuine debt capacity without balance sheets or tax filings
• On-site business appraisal mechanics: Field interview protocols, visual inventory audits, and operational cross-checking
• Workshop: Rebuilding a commercial cash-flow statement for an unregistered peri-urban trading business
• Alternative data integration: Mobile transaction histories, utility billing records, and merchant aggregation data
• Psychometric testing and qualitative scorecards: Evaluating willingness to pay alongside capacity to pay
• Structuring credit enhancements: Deploying partial credit guarantees and risk-sharing facilities effectively
• Budget preparation and execution
• Financial reporting and accounting standards
• Cash and treasury management
• Internal control over payments and assets

It is designed for commercial bank credit underwriting managers and senior credit analysts, central bank banking supervision and SME policy specialists, participating financial intermediary loan officers and branch supervisors and others who want practical, current skills in public financial management and finance.

The Growing Importance of Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok

Sound financial management is the basis for credible budgets, timely payments and clean audits. Governments and financiers expect accurate reporting, disciplined budget execution and transparent use of funds.

Changes in reporting standards, digital payment systems and financier requirements mean finance teams must keep their skills current. Strong financial management also frees time and money for the services that matter.

Organisations increasingly require professionals capable of:

• Prepare and execute budgets in line with plans
• Produce accurate, timely financial reports
• Apply controls over payments and assets
• Meet financier financial management requirements
• Use financial information to support decisions

Strong public financial management and finance systems help organisations:

• Improve budget credibility and execution
• Produce reliable reports and clean audits
• Reduce payment delays and errors
• Build trust with financiers and oversight bodies

This Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok programme brings these elements together in a practical format, so that participants understand not only what good practice looks like but also how to introduce it in their own setting, with the people and resources they have.

Who Should Attend This Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training?

This programme is designed for:

• Commercial bank credit underwriting managers and senior credit analysts
• Central bank banking supervision and SME policy specialists
• Participating financial intermediary loan officers and branch supervisors
• Credit risk management personnel handling retail and micro-enterprise exposures
• Project management unit specialists managing emergency access to finance facilities
• Microfinance institution credit directors and operations managers
• Development finance institution portfolio monitoring officers
• Agricultural and rural development bank credit assessment personnel
• Non-bank financial institution risk compliance managers
• Finance managers and accountants
• Budget officers and analysts
• Treasury and cash management staff

The programme suits experienced professionals as well as those moving into new responsibilities. Groups that mix institutions and countries are encouraged, because participants learn a great deal from each other’s experience.

Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training Objectives

Upon successful completion of this Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training, participants will be able to:

• Apply cash-flow proxy estimation techniques to assess debt servicing capacity in businesses lacking formal financial statements
• Formulate risk-calibrated credit appraisal guidelines for informal enterprise segments within commercial banking systems
• Incorporate alternative data sources and behavioural scoring models into loan eligibility evaluations
• Design operational workflows for financial intermediary lending windows supported by emergency liquidity facilities
• Structure appropriate credit enhancement and partial guarantee utilisation protocols to mitigate unsecured lending exposures
• Establish portfolio-level early warning indicators to track asset quality and identify repayment distress promptly
• Standardise micro-loan recovery and structured workout procedures aligned with commercial bank prudential regulations
• Explain the budget cycle and the role of each actor
• Prepare and monitor budgets linked to plans
• Apply the main principles of the relevant reporting standards

Each objective is practised during the programme through exercises, cases or group work, so that participants leave able to do it, not only to describe it.

Programme Contents and Structure

Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training Methodology

The training employs adult learning techniques focusing on practical execution within commercial lending institutions.⁣​‌​‌​​‌​​‌‌​‌‌​​​‌‌​‌​‌​​​‌‌​‌​‌​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​‌​⁣ Participants work with real-world financial proxies, unverified field records, and anonymised MSME loan application datasets. Daily sessions balance technical presentations with cohort syndicate tasks, credit underwriting simulations, and manual drafting clinics. Peer review sessions enable commercial bank risk specialists, central bank supervisors, and project unit managers to reconcile regulatory expectations with down-to-earth branch operations.

The programme combines:

• Expert-led sessions on current practice
• Regional and international case studies
• Group work and practical exercises
• Simulations and role plays where relevant
• Discussion of participants' own challenges
• Peer learning across institutions and countries
• Practical tools and templates to take back to work
• Daily reflection and action planning

Before the programme, a short pre-assessment helps the facilitators understand each participant’s role and priorities, so that examples and exercises can be adjusted to the group. Each day ends with a short reflection in which participants note what they will apply at work.

Expected Outcomes

Upon completion of this Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training, participants will be able to:

• Capability to verify informal enterprise repayment capacity accurately without reliant on formal auditing or land collateral
• Standardised operational guidelines for deploying MSME recovery liquidity via participating commercial banks
• Integrated alternative risk scoring templates implemented directly into retail credit appraisal processes
• Full compliance with supervisory provisioning and classification mandates for non-traditional loan books
• Proactive monitoring systems established to manage early stage non-performing loans across micro-credit portfolios
• Formal protocols for deploying partial credit guarantees and donor-supported risk mitigation tools
• Prepare and monitor budgets linked to plans
• Produce accurate financial reports

Participants leave with a personal action plan and practical tools they can use in their institution from the first week back. Institutions that send several participants can use the programme to agree shared methods and templates across teams, which makes improvements easier to sustain.

Institutional Application of Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training

This programme supports organisations in strengthening:

• Budget preparation and execution
• Financial reporting
• Payment and cash controls
• Donor financial management
• Audit readiness

Participants return with practical tools to improve:

• Budget monitoring
• Interim financial reports
• Reconciliations
• Asset management
• Audit follow-up

The programme is built so that learning moves from the classroom into the institution. Participants work on their own processes and documents where possible, and leave with an action plan that their managers can review and support.

Regional Relevance & Application

Europe

European institutions apply public financial management and finance within detailed regulatory frameworks and reform agendas. Participants from Europe can compare their practice with colleagues from other regions and test how established methods work under different conditions.

Africa

Across Africa, ministries, agencies and project teams working in public financial management and finance increasingly operate alongside donor-financed programmes that expect clear systems and evidence. The programme helps participants adapt good practice to the institutions and resources they work with.

Middle East

In the Middle East, national development strategies and diversification plans place growing demands on public financial management and finance. Participants explore how to build the capability these plans need inside public bodies and companies.

Asia

Institutions across Asia combine rapid growth with ambitious modernisation programmes. Participants from Asia can share their experience of scaling systems quickly and learn from approaches used elsewhere.

Pacific

Small island and Pacific states face particular constraints of size, distance and capacity. The programme highlights practical, proportionate approaches to public financial management and finance that suit smaller institutions.

Holding the programme in Bangkok, Thailand brings participants together away from their daily pressures, so they can compare how public financial management and finance is handled in different settings. The same programme can also be delivered in-house for one institution, in its own country or online, with cases taken from its current work.

Host Country Profile – Thailand

Explore expert-led training in Bangkok. Join Risalat’s professional courses to enhance your skills in leadership, finance, governance, and development.

Studying away from their own country gives participants time to focus, a fresh view of their own institution and the chance to build a network with colleagues from other countries.

Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training Deliverables

Participants receive support before, during and after the programme, so that preparation, learning and follow-up form one continuous experience.

Before the Programme

• Participant Pre-Assessment
• Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Readiness Assessment
• Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Resource Pack
• Preparatory Reading Materials
• Complimentary Visa Support & Advisory

During the Programme

• Airport Pickup & Welcome Assistance
• Accommodation with Breakfast
• Welcome Networking Dinner
• Risalat Training Kit (Bag, Bottle, Mug, T-Shirt, Cap, Passport Cover, Pens, Notebook, Magnet & Keychain)
• Comprehensive Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok Training Manual
• Budget Monitoring Template
• Interim Financial Report Template
• Reconciliation Checklist
• Audit Preparation Checklist
• Practical Workshops & Simulations
• Group Discussions & Peer Learning
• Daily Lunch and Refreshments
• Full Access to Training Venue Facilities
• Mini Pad / Tablet with Digital Learning Materials
• Field Visit (where applicable)
• Entertaining City Tour

After the Programme

• Certificate of Completion
• Risalat Programme Participation Recognition Award
• Post-Training Reference Materials
• Financial Management Self-Assessment
• Payment Control Checklist
• Post-Training Support & Follow-Up Guidance
• Programme Report

Institutions can also request a tailored in-house version of this programme, delivered at their premises or online. Request a proposal.

Common Challenges in Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok, And How This Training Helps

How can institutions prepare and execute budgets in line with plans?

The programme addresses this directly on the first day (Cash-Flow Reconstruction and Informal Credit Appraisal), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions produce accurate, timely financial reports?

The programme addresses this directly on the second day (Alternative Credit Scoring and Credit Enhancement Mechanisms), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions apply controls over payments and assets?

The programme addresses this directly on the third day (Financial Intermediary Lending Windows and Facility Governance), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions meet financier financial management requirements?

The programme addresses this directly on the fourth day (Portfolio Risk Supervision, Early Warning, and Workouts), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

How can institutions use financial information to support decisions?

The programme addresses this directly on the first day (Cash-Flow Reconstruction and Informal Credit Appraisal), where participants practise the methods involved and adapt them to their own institution, then build it into their action plan.

Frequently Asked Questions

When and where does the Commercial Bank Credit Underwriting for Informal MSME Recovery in Bangkok programme take place?

It runs from 18 Oct 2027 to 21 Oct 2027, in Bangkok, Thailand. The registration deadline is shown at the top of this page.

Who should attend?

The programme is designed for commercial bank credit underwriting managers and senior credit analysts, central bank banking supervision and SME policy specialists, participating financial intermediary loan officers and branch supervisors, credit risk management personnel handling retail and micro-enterprise exposures, and others who want practical skills in public financial management and finance.

Will I receive a certificate?

Yes. Participants who complete the programme receive a Certificate of Completion from Risalat Consultants International.

Can this programme be delivered for our institution only?

Yes. We can deliver a tailored in-house version at your premises, in another city or online, built around your own cases. Use the proposal request on this page.

Do I need prior experience in public financial management and finance?

No specialist background is required beyond experience in a related role. A short pre-assessment helps the facilitators adapt the sessions to the group.

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