Credit Training for Lenders and Analysts
Credit Training for Small Business Lenders
Bankers who work with customers in the small business market are often not directly involved in the credit approval process, but rather forward lending opportunities to other areas of the bank for approval.
While they may not be responsible for the underwriting of the loan, it is still important that they earn credibility in the eyes of the bank's clients by understanding their borrowing needs and being conversant with respect to their financial statements.
Commercial Lending Fundamentals is designed to provide key skills and confidence to small business bankers, while keeping in mind the time and cost constraints faced by most financial institutions.
Credit Training Curriculum:
After completing this course, learners will be able to:
Understand the borrowing needs of their clients
Collect relevant credit information from potential clients efficiently
Identify items banks consider when reviewing a company's financial statements
Ask clients pertinent questions to enhance the bank's underwriting process
Recognize their role in balancing the needs of the bank and the client
Why businesses borrow money
Understanding a company's cash cycle
Forms of business organization
Understanding the client's operations
Understanding ownership and management
Introduction to balance sheets and income statements
Understanding cash flow
Dealing with limited financial information
Considering personal financial information
Understanding borrowing causes and sources of repayment
Types of loan facilities and repayment schedules
Collateral and guarantees
Unit 1
Commercial Lending and Risk
Unit 2
Learning About Your Clients
Unit 3
Understanding Financial Statements
Unit 4
Loan Structure Considerations
Course Materials
- Complete explanations of concepts, examples, and exercises with answer keys
- Review sections at the end of each module, highlighting key concepts and providing self-testing opportunities
- Comprehensive case studies allowing the learner to practice each new skill throughout the course
- A convenient one-page "Quick Analysis Guide" tool that provides a summary of some of the basic analytical techniques that financial institutions often use to assess a company’s financial condition
Target Audience
DELIVERY OPTIONS
A key feature of Commercial Lending Fundamentals is the flexibility with which it can be administered. To capitalize on the benefits of group interaction and to provide a more coordinated training initiative, Commercial Lending Fundamentals is designed to be taught in a workshop format over a two-day period. Highly experienced Edge instructors are available to facilitate this workshop.
For added flexibility, the course is designed so that it can be taught in two consecutive days, two one-day sessions, or even four half-day sessions. In addition, a comprehensive Administrator's Guide accompanies the course, which allows a manager or other appropriate bank employee to effectively lead Commercial Lending Fundamentals in a workshop format.
As an alternative to classroom instruction, Commercial Lending Fundamentals can also be taken as an independent self-study which will allow learners to work at their own pace based on their available time and any existing knowledge of the subject matter. This arrangement is ideal for instances when there are only a few learners at a time or the learners are spread out geographically.