This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower's financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

Students are REQUIRED to take Analyzing Financial Statements prior to taking the Commercial Lending course.

How This Course Helps You and Your Organization:

Our commercial lending course equips individuals with the knowledge, skills, and confidence needed to excel in commercial lending, contribute to organizational success, and meet the evolving needs of borrowers and the broader financial market.

Topics Covered:

• The Commercial Lending Process and Initial Business Development Calls
• Credit Investigation and Assessing Industry, Market, and Management Risk
• Loan Policies and Procedures, Including Credit Risk Ratings
• Loan Packages and Credit Write-Ups
• Commercial Loan Structuring
• Identifying Viable Secondary and Tertiary Sources of Repayment
• Key Documents, Loan Agreements, and Covenants
• Loan Pricing and Negotiating
• Problem Loans

In addition to the learning content listed above, the course also provides direct email assignments, lecture readings and videos, assessments, and discussions to enhance your retention of the materials.

How The Course Works:

• This is an online course that you take at your leisure from your home or office; it should take approximately 45 hours to complete
• Upon registration, you will receive an email with course access instructions and information from your instructor
• You will have 15 weeks to complete the course materials and will have access to all course materials for six weeks after course completion

What You Receive:

• Online training content from a great instructor
• Access to the video lectures
• Direct email assignments, lecture readings and videos, assessments, and discussions
• Upon successful completion of the course, you'll receive an official grade report, highlighting your commitment to ongoing banking education