Commercial Lending

Course Number: CFT

Course Code: BAN 1231

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

Prerequisites: Analyzing Financial Statements

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