Qualitative Analysis and Determining a Credit Risk Rating


Qualitative analysis and how to assess industry risk, market risk and management risk. Learn the role of loan policy and the need to summarize the borrower’s various risks into an appropriate credit risk rating.

Learning Objectives:

  • The Commercial Lending Process and Initial Business Development Calls
    • Explain why the commercial lending process is necessary
    • Recognize the process and types of information business bankers should acquire during a business development call
  • Credit Investigation and Assessing Industry, Market and Management Risk
    • Explain the importance of a credit investigation and describe what it entails
    • Identify industry, market, and management risks that can affect a borrower
  • Loan Policies and Procedure, Including Credit Risk Ratings
    • Describe how a bank’s organizational structure affects the lending function
    • Identify the key elements of a credit risk rating
    • Describe the loan review process as an independent validation of risk ratings and other commercial lending issues
  • Loan Packages and Credit Write-Ups
    • Identify typical components of a commercial loan package and memorandum
    • Describe the simpler format, timing, and administration of annual reviews for commercial loans

Related Training: Certificate in Business and Commercial Lending

ABA Certifications: 8.0 CLBB

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

NYBA Professional Development at (212) 297-1679 or education@nyba.com.
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Non-Member $200

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