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.
After completing this course, learners will be able to:
Commercial Lending and Risk
Learning About Your Clients
Understanding Financial Statements
Loan Structure Considerations
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.