New York Bankers Association

ABA Commercial Lending


This newly updated course provides the knowledge and skills required to identify the credit needs of various types of business customers and to sell a “Total Banking” relationship. It covers both the technical side of commercial lending and the interpersonal skills required to be a successful loan officer.

ABA Online Overview | Course Start Dates | Enroll Online: Member  Non-Member | Print Registration Form
Easy Registration: Call NYBA at 212-297-1679 or 212-297-1666 to enroll by phone.

Price* $455 NYBA or ABA Members/$540 Non-Members
Textbook: Printed or eBook – $95 NYBA or ABA Members/$135 Non-Members
For printed text: shipping/handling fee and sales tax apply.
For eBook: $5 handling fee.
 Course Length  12 Weeks
Course Credits ICB: 45 CLBB     ACE: See below
Prerequisites Students should take Analyzing Financial Statements prior to this course, or have equivalent work experience
Required Software Technical Requirements
Textbook Commercial Lending: A Decision Tree Approach, Part 2, 2013, ABA

Audience: Commercial and/or business bankers and credit analysts.


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.

Learning Objectives: After successfully completing this course, you will be able to:

  • 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

ACE College Credit Recommendation: In the upper division baccalaureate degree category, 3 semester hours in Banking.

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