This certificate is designed to provide comprehensive knowledge and practical skills in managing credit risk and other associated risks within small and medium-sized enterprises (SMEs). The certificate aims to equip participants with the ability to identify, assess, and mitigate various financial risks, thereby enhancing their decision making and strategic planning capabilities and enhance participants’ capabilities to identify, measure, and mitigate various types of risks that SMEs face, ensuring robust credit risk management practices.  Also the certificate focuses on contemporary issues such as sustainability, ESG, climate change risks, and compliance with international regulatory standards, enabling professionals to manage SME portfolios effectively in a dynamic and complex financial environment. Additionally, it seeks to foster an understanding of regulatory frameworks, financial instruments, and risk management techniques specific to SMEs.