SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca

Programme Overview

Small and medium-sized enterprises underpin economic growth across developing markets yet frequently encounter substantial obstacles when attempting to access formal debt and export financing.⁣​‌​‌​​‌​​‌‌​‌‌​​​​‌‌​​‌‌​‌‌​‌‌‌​​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​‌​⁣ This four-day intensive programme in Casablanca equips practitioners with the technical competencies required to establish, operate, and supervise sustainable credit enhancement interventions. Participants examine the operational mechanics of partial credit guarantee schemes, explore counter-guarantee structures, and assess practical risk-sharing models designed to crowd commercial bank liquidity into underserved market segments, particularly for high-potential trading enterprises.

The curriculum addresses the practical complexities of credit underwriting, eligibility screening, and operational due diligence for private enterprise portfolios. Delegates scrutinise conventional and structured trade finance facilities, including documentary letters of credit, pre-shipment export finance, and receivables discounting mechanisms. Through practical case studies and regulatory benchmarking, the course explores institutional governance frameworks, asset recovery systems, and capital preservation strategies aligned with international prudential standards, enabling institutions to mitigate systemic credit risks whilst maintaining operational viability across volatile commercial lending environments.

Delivered through a structured lens tailored for public institutions and donor-funded project delivery units, the programme provides direct methodologies for managing national credit guarantee schemes. Attendees practice designing portfolio allocation caps, pricing guarantee fees against actuarial default projections, and implementing monitoring systems for non-performing exposures. By bridging policy intent with transactional realities, the training ensures implementing teams can deploy risk-mitigation instruments that catalyse private capital, satisfy rigorous donor audit benchmarks, and sustainably expand domestic lending capacity.

Financial sector authorities and project implementation units are currently operationalising national credit support mechanisms and trade finance facilities under the 40 million dollar trade programme.⁣​‌​‌​​‌​​‌‌​‌‌​​​​‌‌​​‌‌​‌‌​‌‌‌​​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​‌​⁣ Implementing teams require immediate, operational capability to structure viable risk-sharing facilities, establish transparent guarantee claims procedures, and align commercial banking incentives with national enterprise support objectives. Without robust technical underwriting criteria, capital adequacy safeguards, and export financing architecture in place, these public interventions risk either excessive default rates or insufficient uptake by commercial lending partners.

Delivered by Risalat Consultants International in Casablanca, Morocco, 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

• Typologies of credit guarantee schemes: individual, portfolio, and hybrid operational models
• Assessing international guarantee principles and prudential guidelines for non-bank financial intermediaries
• Designing optimal risk-sharing ratios, coverage caps, and commercial bank counterparty criteria
• Fee structures, administrative cost recovery, and capital preservation calculations for guarantee funds
• Governance structures, operational independence, and conflict-of-interest mitigation in state-backed schemes
• Evaluating commercial bank credit assessment practices and credit scoring models for small enterprises
• Establishing rigorous enterprise eligibility criteria, exclusion lists, and environmental and social safeguards
• Cash flow modelling, collateral alternatives, and debt service capacity evaluation under high market volatility
• Budget preparation and execution
• Financial reporting and accounting standards
• Cash and treasury management
• Internal control over payments and assets

It is designed for financial sector regulators and central bank supervisors overseeing credit market facilities, credit guarantee fund managers, operational heads, and investment committee members, enterprise development officers from national ministries of commerce and industry and others who want practical, current skills in public financial management and finance.

The Growing Importance of SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca

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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training?

This programme is designed for:

• Financial sector regulators and central bank supervisors overseeing credit market facilities
• Credit guarantee fund managers, operational heads, and investment committee members
• Enterprise development officers from national ministries of commerce and industry
• Project implementation unit directors managing donor-funded financial intermediary loans
• Commercial bank SME credit heads, risk analysts, and trade finance relationship managers
• Development finance institution officers structuring private sector guarantee windows
• Export promotion agency executives coordinating export credit and insurance mechanisms
• Treasury, risk management, and compliance officers within national development funds
• Monitoring and evaluation specialists tracking financial sector access indicators
• 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.

SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training Objectives

Upon successful completion of this SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training, participants will be able to:

• Evaluate international risk-sharing frameworks and partial credit guarantee structures to identify appropriate models for domestic financial markets
• Apply rigorous credit underwriting criteria and SME eligibility screening methodologies to protect guarantee capital against systemic default
• Structure trade finance facilities, factoring mechanisms, and pre-shipment export credit products for growth-oriented enterprises
• Formulate equitable fee-pricing models and risk-sharing ratios that align commercial lender incentives with public policy mandates
• Establish sound claim verification, dispute resolution, and asset recovery protocols aligned with international recovery standards
• Design comprehensive pipeline monitoring frameworks and portfolio risk management dashboards to track non-performing facility thresholds
• Benchmark national guarantee governance practices against Basel Core Principles for Effective Banking Supervision and multilateral reporting requirements
• Constructing early warning indicators, default triggers, and portfolio quality monitoring dashboards
• Standardising claim submission, verification, and payment workflows to preserve lender confidence
• Default management, subrogation rights, collateral liquidation, and legal recovery frameworks

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

SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training Methodology

The training employs an applied, transactional methodology tailored for public sector and development professionals.⁣​‌​‌​​‌​​‌‌​‌‌​​​​‌‌​​‌‌​‌‌​‌‌‌​​​‌​‌‌‌​​​‌‌​​​‌​‌‌‌‌​​​​‌‌​‌​‌​⁣ Learning is driven through comparative analysis of real-world guarantee fund statutes, diagnostic group exercises, and technical simulations where participants structure term sheets for partial credit guarantees and trade facilities. Practical syndicate sessions allow delegates to stress-test underwriting decisions, model claim settlement workflows, and draft monitoring frameworks using established international benchmarks, ensuring immediate transferability to project delivery units and regulatory bodies.

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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Training, participants will be able to:

• Ability to design and implement legally sound partial credit guarantee facilities suited to target SME sectors
• Competence in evaluating commercial bank underwriting processes to minimise adverse selection and moral hazard
• Capacity to deploy structured trade finance and receivables discounting solutions to expand export capacity
• Clear procedures for managing guarantee claim settlements, asset recoveries, and subrogation enforcement
• Enhanced institutional skills to establish portfolio monitoring systems and early warning credit dashboards
• Readiness to meet compliance, financial reporting, and audit obligations under multilateral donor finance operations
• 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 Casablanca, Morocco 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 – Morocco

Training programmes and study tours in Casablanca suit government officials, project teams and professionals focusing on international trade, maritime transport, banking and regional economic 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.

SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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
• SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca Readiness Assessment
• SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca, 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 (Institutional Architecture and Risk-Sharing Mechanisms of Credit Guarantee Schemes), 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 (SME Underwriting, Credit Due Diligence, and Counterparty Assessment), 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 (Structuring Trade Finance Instruments and Export Guarantee Facilities), 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 Monitoring, Claim Management, Asset Recovery, and Scheme Evaluation), 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 (Institutional Architecture and Risk-Sharing Mechanisms of Credit Guarantee Schemes), 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 SME Credit Guarantee Schemes and Trade Finance Facilities in Casablanca programme take place?

It runs from 21 Jun 2027 to 24 Jun 2027, in Casablanca, Morocco. The registration deadline is shown at the top of this page.

Who should attend?

The programme is designed for financial sector regulators and central bank supervisors overseeing credit market facilities, credit guarantee fund managers, operational heads, and investment committee members, enterprise development officers from national ministries of commerce and industry, project implementation unit directors managing donor-funded financial intermediary loans, 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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