Commercial Lending Certification

Stop Leaving your Lending Decisions to Chance. Get certified in business loan structures and repayment analysis.

The massive $1.4 trillion small business lending market is booming, and traditional banks capture nearly 90% of the pie. With economic uncertainty, the demand for skilled loan assessors has skyrocketed.

Are you leaving money on the table due to difficulties in accurately assessing borrower creditworthiness? Now more than ever, crafting loan structures that benefit both you and your clients is imperative. Don't let outdated loan structures hold you back.

Cut through the confusion and sharpen your skills in evaluating long-term and seasonal borrowing needs. This business lending and credit certification program goes beyond the basics.

• Master the business structures, loan types for both commercial and construction, and the appropriate facility for the borrower’s specific needs.
  
• Comprehend risk management framework. Learn how to determine repayment ability for long-term asset financing and seasonal borrowing.
  
• Meet regulatory requirements. Protect your financial institution from potential legal liability

This series empowers banking professionals like you to decode borrower risks, optimize loan structures, and safeguard your institution's future.

Enroll today in the Commercial Lender Certification program - flexible learning is available!

Commercial Lender Certification

Session 1: Art of the Deal in Business Lending

• Why businesses borrow
• Basic types of business loans
• Best facilities to fund different borrowing needs
• How to use structural elements to build a bankable
  deal—purpose, amount, facility, profitable pricing, cash flow repayment ability, collateral loan-to-values, evaluating the sufficiency of  guarantees, setting meaningful covenants, conditions, risk rating, approval, funding, monitoring
• Credit risk management tools—covenant compliance, tickler systems, policy exceptions

Session 2: Art of the Deal in Construction Lending

• Why construction lending is so risky
• Construction budget, sources and uses of funds, interest reserve
• Roles of 3 parties in a construction loan—lender, borrower, contractor
• Critical elements of construction contract
• Role of construction inspection and lien waivers in progress payments process
• Change orders, bonding, surveys
• Real estate credit administration to manage construction process
• Contractor evaluation tips

Session 3: How to Evaluate Borrower’s Ability to Repay Long-Term Debt

• Why we need to project long-term cash flow—how much does the borrower need to borrow to finance permanent asset growth in working capital and fixed assets
• Critical linkage of future revenues to rest of income
  statement to assets needed to liabilities and equity available to fund asset growth
• Case study to illustrate projection of income statement, balance sheet, and cash flow statement

Session 4: How to Estimate a Borrower’s Seasonal Borrowing Needs with a Short-Term Cash Flow Projection

• Why we need to project short-term cash flows to estimate seasonal borrowing needs over the fiscal year
• Construction of monthly cash receipts and cash disbursements to estimate additional cash needed to support seasonal sales growth
• Case study to illustrate monthly projection process.
  Identify seasonal borrowing needs, and monitor collateral support.