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Breaking Into Banking 101: Fundamentals of Commercial Banking

June 23, 2021 8:30 am - 4:30 pm
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This is the same seminar as the Fundamentals of Commercial Lending class held in August 2020 by the IBA.

Commercial banking can be intimidating because of its complexity and the risk-oriented nature of the work.   This course is a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. It doesn’t assume much prior knowledge of the topic, so it’s ideal for those in their first year in the industry. Learners will walk away with a clear understanding of their job and how their specific role fits into the bank’s overall profitability goals.

Who should attend?
New credit analysts, lenders, portfolio managers, underwriters, and bankers who don’t do credit analysis but need a working knowledge of the process.  This may include statement spreaders, loan processors and closers, treasury management associates, administrative support for credit or lending officers, branch managers, and interns.

Seminar Topics Include
• Identifying and managing risk
• Working capital financing
• Real estate and capital expenditures
• Start-ups, buyouts, bridge loans, and losses
• Life cycle state of your borrower
• Analyzing quality of management
• Balance sheet: liquidity and leverage
• Income statement: margins and coverage
• How loan pricing really works
• Tenor and amortization
• Analyzing your collateral
• The value of guarantees
• Loan documentation
• Understanding “expected loss”
• Asset performance and loan loss provisions
• Internal relationships
• A day in the life of a credit analyst