Course Goal
The course focuses on the skills needed by your lenders to make high quality profitable commercial loans - from understanding what goes into evaluating a client's business and financial position, to structuring the loan and ensuring the documentation is correct.
Course Objectives
Upon completion of the course, participants will be able to demonstrate their knowledge of the following:
- Getting the right information on client calls.
- Learning a step by step process to review and analyze a request.
- Understanding why companies borrow and how they repay.
- Evaluating management capability to manage the business.
- Analyzing financial statements through ratio and trend analysis.
- Understanding personal financial statements and tax returns.
- Calculating and evaluating cash flow and projections.
- Determining collateral adequacy.
- How to perform a business and industry risk analysis.
- Determining proper loan structure.
- Getting the proper documentation.
- Spotting red flags and potential problem loans.
- Presenting results before a credit committee.
Format and Timeframe
We customize materials and cases to reflect the participant’s lending environment. Lecture and discussion, supplemented by group exercises and role play keep the course both fast paced and interesting. This course can be taught in two to three days depending upon the experience level of the participants.
Who Should Attend?
Senior lenders
Commercial lending officers
Relationship Managers
Financial analysts and underwriters
Branch Managers
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