Commercial & Industrial Business Underwriting
Fundamentals Series
Step through the the entire analytical process for a commercial credit decision and master the analytical tools essential for assessing a commercial borrower's prospects for meeting its debt service.
“The instructor has real world experience and explains things in a way that makes it easy to follow and understand.”
~Chief Credit Officer, Regional Bank in Arizona
What You Will Learn
Learn the entire analytical process utilized in making a commercial credit decision. Participants will learn to analyze the company and its financial statements, assess management and the competitive environment. You'll also learn to project financial performance, identify sources of cash to meet debt service and potential risks to those sources, consider covenants to mitigate these risks, and present recommendations in a standard credit write-up.
Target Audience

This Skill Series is ideal for participants currently in or aspiring to enter the following job functions:

  • Credit Management
  • Commercial Credit Administration
  • Commercial Loan Portfolio Management
  • C & I Lending
  • Loan Review
  • Special Assets
  • Credit Analysis
Prerequisites
Familiarity with accrual income statement and balance sheet for a commercial business and understand the associated terminology.
Skill Series Courses
Analytical Decision Tree and the Credit Write-Up
Financial Statement Review and Ratio Analysis
Cash Flow Analysis and Borrowing Causes
Projected Cash Flow, Management Assessment and the First Way Out
Guarantor Analysis and the Second Way Out
Non-Financial Red Flags and Performance Implications
Identifying and Mitigating Repayment Risks
The Credit Write-Up Again
8 Credits or $1,895
more than 100 live, On-Demand and self-study courses
for every member of your credit team.
All include cases, exercises, testing & Reporting