Credit Intelligence:The Complete Guide to Credit Administration and IFRS 9 in Nigerian Microfinance Banking

CREDIT INTELLIGENCE: The Complete Guide to Credit Administration and IFRS 9 in Nigerian Microfinance Banking

The definitive practitioner’s handbook for credit professionals in Nigerian Microfinance Banks (MFBs).

This book takes you step-by-step from loan origination through the entire credit lifecycle to ECL provisioning under IFRS 9. Every critical concept, policy, formula, calculation, template, and regulatory requirement is clearly explained with practical Nigerian context and real-world MFB examples.

Whether you are a Credit Officer, Risk Manager, Branch Manager, Internal Auditor, or CEO of an MFB, this book equips you with the deep technical knowledge and practical intelligence needed to build a robust, compliant, and profitable credit function in today’s challenging microfinance environment.

Key Coverage Includes:

• End-to-end Credit Administration in MFBs
• IFRS 9 Impairment Model explained in simple, practical terms
• Expected Credit Loss (ECL) calculations (Stage 1, 2 & 3)
• PD, LGD, and EAD modeling tailored for Nigerian microfinance
• Loan origination, appraisal, documentation, and monitoring
• Credit risk governance and regulatory compliance (CBN guidelines)
• Practical templates, workbooks, and calculation illustrations

Written by Osaigbovo Edomwonyi, a seasoned credit and risk professional with over a decade of hands-on experience in Nigerian banking and microfinance (MCIB | MICA | SCILRM | FIDR).

First Edition | 2026

For every credit practitioner who wants to move from theory to mastery in credit intelligence and IFRS 9 implementation in Nigerian Microfinance Banks.