AIB Commercial Lending
Course Code: 6350
Length: 16 Weeks
Audience: This course is designed for 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..
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.
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
Text Book: This course uses Commercial Lending, 6th edition, American Bankers Association, 2007
Recommended 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
Enrollment: To enroll in this course, please click on the link below for the registration form. Print and complete the form and submit it to your supervisor for approval. Then submit the approved form to your human resources department for processing.