Commercial Lending Course

The Commercial Lending course is ACE recommended for College Credit Transfer!

ACE Credit Recommendation Reference Number: CFTA-0006 (CFT Course Code: A204)

Course Prerequisite Info: Students are REQUIRED to take Analyzing Financial Statements prior to taking the Commercial Lending course.

Course Description and Audience:

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.

Textbook chapter topics include:

• 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

Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers.

Diplomas and Certificates Applicable to the Commercial Lending course:

• Advanced Financial Services Diploma
• Introduction to Credit Analysis Certificate
• Introduction to Lending Certificate
• Commercial Lending Diploma
• Agricultural Lending Diploma
• Introduction to Sales and Service Certificate
• Sales and Service Management Diploma