Commercial Lending Certification

Banking compliance expert June Gardner will help you understand risk and compliance expectations for commercial lending. You will learn how to maintain a sound commercial loan risk governance program.

Benefits of Certification

  • Master the business structures, loan types, required documentation, and risk management framework associated with commercial lending
  • Meet regulatory requirements
  • Protect your financial institution from potential legal liability
  • Prove your knowledge to colleagues and regulators
  • Advance your career
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INFORMATION
Training Overview

2022 Commercial Lending practices. Earn your certification.


Staffing shortages and increased demand for commercial loans create fantastic career opportunities for financial institution professionals who understand key lending concepts. Individuals who know the current 2022 regulations are particularly valuable.


As a commercial lender, you must respond to regulatory requirements and risk management expectations. A thorough understanding of business finance fundamentals and requirements is essential to maintain a sound commercial loan portfolio.


Our Commercial Lending Certification program will enable you to:

  • Master the business structures, loan types, required documentation, and risk management framework associated with commercial lending
  • Meet regulatory requirements
  • Protect your financial institution from potential legal liability
  • Prove your knowledge to colleagues and regulators
  • Advance your career

Commercial Lending Certification

Session 1

  • Types, advantages, and disadvantages of business structures
  • Liability, rights, and restrictions
  • How business structure affects the lending process and borrower liability
  • Signatures necessary to safeguard against contract disputes

Session 2

  • Characteristics, purposes, and risks of common commercial loan types
  • Repayment sources related to various commercial loan types
  • Balancing the needs of the borrower and the bank
  • Problem loan causes and common steps to resolve them

Session 3

  • Vital instruments to document a commercial loan and secure a lien
  • Major elements of due diligence prior to closing a commercial loan
  • Loan covenants to protect cash flow and collateral value
  • Personal guarantees and required documentation

Session 4

  • Risk factors associated with commercial loans
  • Key elements of an effective risk management framework
  • Critical policies included in a commercial lending risk management program
  • Risk rating, reporting, and analytics

Session 5

  • BSA/AML and OFAC due diligence and reporting requirements
  • Fair lending laws and regulations and how they apply to the lending process
  • Purpose, technical rules, and performance assessment factors of CRA
  • General regulatory requirements applicable to real estate secured loans

Upon certification, you will receive a Credly digital credential to demonstrate your knowledge. You can share your verifiable badge in email, LinkedIn, and other online profiles.

Recommended Audience
Who Should Attend?
  • Finance professionals
  • Credit analysts
  • Credit underwriters
  • Commercial loan officers
  • Loan support staff
  • Loan documentation staff
What's included
Training includes
  • Commercial Lending Certification
  • All resources and training materials
About

Expert Presenter

June Gardner
  • Vice President of Compliance at one of the largest credit unions in the United States
  • Previously served as Vice President of Operations for a $8B+ financial institution
  • Trainer and speaker for financial associations throughout the U.S. 
  • Twenty years of banking experience, including executive and leadership positions in compliance, lending, bank operations, fraud, and electronic delivery channels
  • Certifications in risk and compliance management from national banking associations
  • Bachelor’s degree in business administration and management from Alaska Pacific University