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Sustainable finance

ESMS, ESDD and Responsible Lending for Financial Institutions

A transaction-focused programme on identifying and managing environmental and social risks across lending and investment portfolios. It applies proportionate screening, categorisation, due diligence, approval conditions, Environmental and Social Action Plans, monitoring and portfolio governance.

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Duration2 days
Learning levelIntermediate to advanced · 16 learning hours
CredentialCENGSSUD Certificate in ESMS, ESDD and Responsible Lending
Corporate deliveryAvailable for in-house cohorts
Programme purpose

Learning designed for immediate organisational application.

A transaction-focused programme on identifying and managing environmental and social risks across lending and investment portfolios. It applies proportionate screening, categorisation, due diligence, approval conditions, Environmental and Social Action Plans, monitoring and portfolio governance.

Available dates

Choose the session that works for you.

19–20 October 2026Apply for this date ↗
Detailed two-day curriculum

Six modules, practical exercises and workplace-ready outputs.

The programme moves from core concepts to guided application. Every major module includes focused submodules and a practical exercise.

Day 1

ESMS architecture, screening and environmental and social due diligence

Module 1 — ESMS governance and policy framework

  • ESMS objectives, policy commitments and risk appetite
  • Board, management, credit, risk and E&S specialist roles
  • Procedures, competence, records and management review

Practical application: Assess the design of a financial institution’s ESMS.

Module 2 — Transaction screening and categorisation

  • Exclusion lists and prohibited activities
  • Sector, location, scale and client-risk screening
  • Risk categorisation, escalation and enhanced review triggers

Practical application: Screen and categorise a portfolio of sample transactions.

Module 3 — ESDD scoping and evidence review

  • Applicable Nigerian requirements, IFC Performance Standards and WBG EHS Guidelines
  • Client documents, permits, incidents and stakeholder evidence
  • Site visits, interviews, red flags and information gaps

Practical application: Develop an ESDD information request and review plan.

Daily participant outputAn ESMS design assessment, screening decision and ESDD work plan.

Day 2

Risk evaluation, transaction decisions and portfolio monitoring

Module 4 — Gap analysis and Environmental and Social Action Plans

  • Assessing compliance and performance-standard gaps
  • Materiality, consequence, likelihood and residual risk
  • ESAP actions, owners, deadlines, indicators and closure evidence

Practical application: Draft a risk-rated ESDD findings table and ESAP.

Module 5 — Integrating E&S conditions into lending decisions

  • Approval memoranda, covenants and conditions precedent
  • Pricing, tenor, disbursement and escalation implications
  • Legal documentation, client commitments and decision records

Practical application: Present a defensible E&S credit recommendation.

Module 6 — Monitoring, incidents and portfolio reporting

  • Risk-based monitoring frequency and client reporting
  • Serious incident notification, investigation and remedial action
  • Portfolio aggregation, watchlists, KPIs and management reporting

Practical application: Build a monitoring plan and respond to a simulated serious incident.

Daily participant outputA completed ESDD report extract, ESAP, approval condition and monitoring plan.

Who should attend

Designed for the people responsible for delivery.

  • Credit and enterprise risk teams
  • Relationship managers
  • Investment professionals
  • ESMS, legal and compliance officers
Learning outcomes

What participants will be able to do.

  • Screen transactions consistently
  • Scope and review proportionate ESDD
  • Translate findings into credit and investment conditions
  • Strengthen portfolio monitoring and escalation
Participant resources

Practical take-away tools.

  • Screening and categorisation forms
  • ESDD terms of reference and report checklist
  • Model ESAP and covenants
  • Portfolio-monitoring dashboard template
Learning methodology

Technical instruction translated into practical action.

Transaction cases, document review, risk categorisation, ESDD critique and a credit-committee simulation.

Secure your place or train your organisation.

Register an individual participant, book a corporate cohort or request a tailored in-house version aligned with your sector and implementation priorities.

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