This program consists of ten online self-paced courses and two webinars. The webinars will cover real lending scenarios, and participants will enter virtual breakout rooms for interactive small-group discussions. Live attendance is a must to get the most out of this engaging training opportunity. Breakout rooms will not be recorded. Space is limited to 30 participants for a high-value learning experience, so register today! Interested in a private training for your Financial Institution? Contact us to set up a private virtual training at the same low cost!
Students will independently work through the first five courses and assessments prior to the first webinar, Commercial Lending Program – Part 1. Students will then work through the final five courses and assessments prior to the second webinar, Commercial Lending Program – Part 2.
Accounting
The participant will be introduced to the theory of financial accounting and the application of debits and credits and will be able to apply the accounting concepts to various situations.
Financial Statement Analysis
The ability to get behind the numbers when completing a financial statement analysis is critical to understanding the capacity of a borrower to repay. This course analyzes the income statement and balance sheet, focusing on trend an ratio analysis to evaluate performance. The conclusions provide a deeper understanding of the capacity to generate profits combined with an understanding of the overall financial position of the borrower.
Cash Flow Construction
This foundational course introduces cash flow construction concepts to understand how a business generates and uses cash. Three different cash flow constructions are presented: FASB 95, Uniform Credit Analysis (UCA), and EBITDA approach are explained, and a practical case is used to construct a UCA cash flow statement from a company’s financial information.
Cash Flow Analysis
This course introduces the cash flow analysis necessary to evaluate if a company has the capacity to service interest and principal payments, as well as to cover its capital expenditures. It explains the underlying causes of changes in cash flow within a company and interprets the meaning of some of the most widely used cash flow coverage ratios (Debt Service and Fixed Charge Coverage ratios).
Cash Flow Forecasting
The purpose of the course is to move forecasting from a number massaging exercise into the creation of a “Most Likely Case” scenario within a range of probable performance scenarios. The course builds the skills necessary to identify and assess the sources of repayment, identifies key credit risks and mitigating factors, and creates sensitivity forecasts that incorporate risk analysis.
Who Should Attend
Credit administration staff, entry- and mid-level credit officers, entry-and mid-level commercial loan officers, loan review officers, retail bankers and relationship managers, commercial lending departments, and retail branch staff.