Commercial banking can be intimidating because of its complexity and the risk-oriented nature of the work. These courses are a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. They don’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.
Fundamentals of Commercial Lending 101: Thursday, February 22 – 8:30am – 4:00pm
Fundamentals of Commercial Lending 201: Wednesday, March 27 – 8:30am – 4:00pm
Courses can be purchsed and taken as a package or individually.
Breaking Into Banking: Fundamentals of Commercial Lending 101
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
Breaking Into Banking: Fundamentals of Commercial Lending 201
Fundamentals of Commercial Lending 201: Analyzing Repayment Sources is a 9-module course and a “sequel” to the Fundamentals of Commercial Lending Course. This course dives deeper into topics like analyzing a borrower’s balance sheet, income statement, collateral and risk ratings. The course will cover the difference between debt and equity, commercial real estate as collateral, how to evaluate fixed assets, how to assess the value of inventory and much more.
Seminar Topics Include
- Balance Sheet Analysis – Analyzing Liquidity
- Balance Sheet Analysis – Analyzing Leverage
- Income Statement Analysis – Revenues and Profit Margins
- Income Statement Analysis – Coverage Ratios
- Collateral Analysis – Non-Current Assets
- Collateral Analysis – Trading Assets
- Collateral Analysis – Solving the Problems
- Risk Ratings, Expected Loss, and Provision for Credit Losses
Fundamentals of Commercial Lending 101: $245
Fundamentals of Commercial Lending 201: $245
Both Courses: $440
Watch this video from the instructor for more information on the course.