Students have 6 months to complete material with an assisting instructor.

This course provides the knowledge and skills required to identify the credit needs of various types of business customers, as well as how to establish a "total Banking" relationship with these customers.

It covers both the technical side of commercial lending and the interpersonal skills required to be a successful loan officer, including 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 an overview of key documents, loan agreements, and covenants, as well as negotiating and pricing. The course concludes with an introduction to problem loans.What You'll Learn:After completing this class, you should be able to:

• Recognize the process and types of information business bankers should acquire during a business development call
• Explain the importance of a credit investigation and describe what it entails
• Identify industry, market, and management risks that can affect a borrower
• Identify the key elements of a credit risk rating
• Describe the loan review process as an independent validation of risk ratings and other commercial lending issues
• Identify borrowing structures and describe their advantages
• Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements & the factors that affect collateral value
• Describe the loan documentation process and requirements
• Identify and explain the loan negotiation process
• Identify the costs and causes of problem loans
• Explain the steps in resolving a problem loan

How To Access Your Course

Upon enrollment, you will receive an email from the course provider (CFTEA.org) with links and passwords to access your course. You will have full access to the course and it's modules for one full year.