Webinar & Conferences

The institutions that best understand and respond to customer needs are the ones winning the credit race.

According to CBTT latest Economic Survey 2025:
• “The commercial banks’ weighted average lending rate (WALR) reached 6.79 per cent in December 2025, 13 basis points higher than in December 2024. ”
• “The pace of growth in commercial bank lending slowed down, and non-bank lending continued to contract for most of 2025 before recovering in December.”
• “Growth in the volume of loans for private motor vehicles, consolidation of debt and refinancing accelerated, possibly suggesting affordability pressures.”
• “Consumer credit demand eased in the twelve months of 2025. Although financing terms remained attractive, consumer lending ended 2025 in single digits (6.2 per cent, year-on-year), down from double digits (12.1 per cent) in December 2024.”
• “Business credit growth lost momentum in 2025."
• “Private sector credit growth moderated in 2025."

Based on recent data from the Central Bank of Trinidad and Tobago (CBTT) and local reporting, the Commercial Banks and Credit Unions are competing in very different ways in 2025.

The banking sector continues to dominate the financial system in terms of assets and total lending BUT while banks remain larger, credit unions are increasingly becoming more competitive in retail lending.

Credit unions in Trinidad and Tobago have been benefiting from several trends which include Customer Trust and Accessibility, Aggressive Consumer Lending and Consumer Dissatisfaction with Banks.

In Trinidad and Tobago’s current environment, institutions that best understand borrower pain points — affordability, speed, flexibility, and trust — are increasingly capturing loan growth opportunities.

The CBTT itself has also warned about rising household indebtedness and the need for close monitoring of consumer credit quality as competition intensifies.

Effective Credit Management remains the “Foundation of Your Business”, as without prudent lending and quality credit portfolios, financial institutions would be unable to: Generate Surplus/ Profits Grow and Expand the Organization Satisfy Customer / Members Needs Return dividends to Shareholders Remain competitive in the Financial Sector

In treating with your business foundation, the 2026 two day Effective Credit Management Workshop will Focus on : Advanced Credit Risk Analytics & Early Warning Indicators Financial Analysis in Credit Management Meeting Customer Needs before Competitors SME Lending - Avenue for Growth Credit Portfolio Quality vs. Portfolio Growth Credit Evaluation and Risk Analysis Collections Excellence & Recovery Strategies in 2026 Sectoral Credit Risk Assessment Compliance, AML & Fraud Risks Within Credit Operations  Sales and Marketing Approaches - Loan Growth Strategies

2) PREVIOUS PARTICIPANTS TESTIMONIALS

This two-day Effective Credit Management 2026 workshop is designed to equip Lending Institutions with practical strategies, innovative credit management techniques, and customer-focused approaches to grow and strengthen their loan portfolios in an increasingly competitive financial environment.

• Customer-Centric Lending Strategies
• Loan Portfolio Growth & Expansion
• Business Lending for Increased Profitability
• Borrower Relationship Management
• Credit Risk & Asset Quality Management
• Sales & Cross-Selling for Loan Growth
• Innovative Lending Opportunities
• Risk-Based Pricing
• Niche Market Lending Strategies
• Business Loan Evaluation
• Venture & Feasibility Assessment
• Technology-Driven Credit Management
• Delinquency & Recovery Management
• Practical Credit Management Case Studies

3) DELIVERABLES AND OBJECTIVES

In addition to participants’ exposure on two days of expert facilitation, participants will be provided with: Business Loan Prospecting & Pipeline Development Strategies Relationship Lending Techniques for SME Clients Recoveries and Collection Strategies Strategies to Boost Loan Portfolio Credit Decision-Making Under Economic Uncertainty Technological usage in Credit Management Portfolio Diversification Strategies for Financial Institutions Effective Negotiation Techniques for Collections Officers Sales Techniques for Loan Officers Fraud Detection Triggers in Loan Applications Compliance & Regulatory Expectations for Modern Lending Understanding Financial Ratios - User Guides for Credit Officers Six Cs Credit Analysis

After attending and participating in this Two-Day Effective Credit Management Workshop, participants will be able to: Make informed lending decisions in challenging economic conditions. Prospect and develop quality business lending opportunities. Build stronger relationships with borrowers. Structure appropriate financing solutions for diverse business sectors. Analyze financial statements for Loan Evaluation. Leverage technology in credit assessment. Detect fraud and strengthen risk mitigation practices. Improve loan monitoring, collections, and portfolio performance. Apply regulatory requirements and compliance expectations to lending activities. Boost Loan Portfolio Employ Six Cs Methodology

4) TARGET AUDIENCE

Analysts Comptrollers Credit Credit Managers Risk Committees Loan Coordinators Credit Committees Directors

Loan Supervisors Officers Credit Managers Credit/Loan Managers Recoveries Risk Managers Branch Persons responsible for loan administration and risk mitigation

5) PRICES PER PERSON FOR BOTH DAYS (VAT INCLUSIVE)

Effective Credit Management Conference 2026

Early BIRD VIRTUAL

Early BIRD In-person

Virtual Online

Regular In-Person

For other payment methods such as Wire Transfer (USD $) or Online Transfer/Direct Deposit (TTD $), kindly send an email to conference@nemlctt.com.