Commercial Lending

12-WEEK INSTRUCTOR-FACILITATED ONLINE COURSE

Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved.

Learning Objectives:

  • Recognize the process and types of information business bankers should acquire during a business development call
  • Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value
  • Explain the process and importance of a credit investigation
  • Identify and explain the loan negotiation process
  • Identify the causes of problem loans and steps to resolving them
Easy Registration: Call 212-297-1679 or 212-297-1666 to enroll by phone.

Prerequisites

Students should take Analyzing Financial Statements prior to this course, or have equivalent work experience

Textbook

Commercial Lending: A Decision Tree Approach, Part 2 , 2013, ABA

Audience: Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience.

Synopsis:  This ABA course covers qualitative analysis and how to assess industry risk, market risk and management risk. It also provides an understanding of the role of loan policy and the need to summarize the borrower’s various risks into an appropriate credit risk rating. In addition, it provides guidance on loan structuring and documentation issues in response to the analysis of quantitative and qualitative risks. This includes an overview of key documents, loan agreements and covenants, as well as negotiating and pricing. The course concludes with an introduction to problem loans.

ABA Certifications: 45 CLBB

ABA Certificates: This course applies to the Certificate in Business and Commercial Lending.

Proctored Examination Required

This course requires proctored exams. You will need to identify a person from your institution who will proctor your exams during business hours, Monday – Friday between 9 a.m. and 5 p.m., Eastern USA Time. This person should be your Human Resources Training Manager, supervisor, or someone from the management team of your organization. Make sure to arrange your proctor well in advance of your exam date.

If you do not work with an institution, you will need to contact a university/college, library, or a testing center to request they proctor your exam. You will be asked to provide the telephone number of your proctor in case we need to reach that person for verification. A relative or friend cannot proctor an exam. All parties must abide by the ABA exam policy. There are no exceptions.

The New York Bankers Association is a Local ABA Training Provider.

Questions:
NYBA Professional Development at (212) 297-1679 or education@nyba.com.

ENROLL ONLINE

Member $455
Non-Member $540

TEXTBOOK

Member $95
Non-Member $135


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