AIB Course Code: 6350
Course Length: 16 weeks
Course Description:
Commercial Lending will give you the knowledge and skills required to identify the credit needs of various types of small business customers and to sell a total banking relationship. It will also prepare you to assess the customer's credit worthiness by examining income statements and balance sheets. This program covers both the technical side of small business lending and the interpersonal skills required to be a successful loan officer.
Audience:
Entry-level commercial lending officers and bank employees supporting the commercial loan operations. Customer service representatives and other branch personnel who have direct contact with small business owners and managers.
Learning Objectives:
After successfully completing this program, you will be able to:
- Explain the key elements of a loan interview and credit investigation
- Describe the "cash-flow cycle" of various types of business
- Explain the relationship between loan structuring and type of business
- Complete basic income statement and balance sheet analysis
- Describe the documentation and procedures required for perfection of collateral
- Identify the common warning signs of problem loans
Textbook:
Commercial Lending, 6th edition, American Bankers Association, 2007
Course Credits: AIB: 3.0; ICB: 45 (CLBB)
ACE College Credit Recommendation
In the upper division baccalaureate degree category, 3 semester hours in Banking
Prerequisites
None
Required Software:
None
