Credit Skills that Take you to the next level
Each comprehensive series of courses develops your mastery of an essential credit skill to succeed in your role and advance your career
Accounting
Essentials
Essentials
Fundamentals Series
Build essential skills for analyzing companies that utilize accrual accounting.
Financial Statement Structure and Composition
Double Entry Accounting and the Accounting Equation
Critical Accounting Principles and Assumptions
Creating the Balance Sheet and Income Statement
Advanced Cash Flow Statement Analysis
Mastery Series
Take your cash flow analytical capabilities to the next level with complex cases and solutions.
Advanced UCA Cash Flow Analysis Part 1
Advanced UCA Cash Flow Analysis Part 2
Analysis
of Contractors
of Contractors
Specialized Lending Series
Explore the unique elements of contractor financial statements and credit analysis.
Analyzing Contractor Financial Statements Part 1
Analyzing Contractor Financial Statements Part 2
Cash Flow Analysis & Applications
Mastery Series
Become an expert in using UCA cash flow analysis to assess creditworthiness in more advanced scenarios.
Global Cash Flow
Working Capital and UCA Cash Flow
Ratio Messages On Profitability and Cash Flow
Covenant Use in Controlling Cash Outflows
Debt Capacity and Cash Flow
Cash Flow Statements
vs. Proxies for Risk Assessment
vs. Proxies for Risk Assessment
Mastery Series
Learn to use multiple cash flow sources to assess the four fundamental issues in every credit request.
UCA Cash Flow, Traditional Cash Flow and EBITDA
Cash Impact Analysis and Management Assessment
FASB 95 Cash Flow Statement conversion to UCA
Cash Flow Proxies, Debt Capacity, and the UCA Cash Flow Statement
Commercial & Industrial Business Underwriting
Fundamentals Series
Step through the the entire analytical process for a commercial credit decision.
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
Commercial Real Estate Underwriting
Fundamentals Series
Achieve mastery by learning how to analyze and underwrite commercial real estate loans.
The CRE Analytical Process and Credit Write-Up
Borrower Cash Flow, Ratio Analysis and the First Way Out
Personal Cash Flow, Guarantor Analysis and the Second Way Out
Appraisal Reports and Assessing Market Value
The Income Capitalization Approach and the Cap Rate
Underwriting Standards, NOI and Breakeven Analysis
Management Assessment, Competitive Forces, and Projected Performance
Repayment Risks and Covenants
Credit Risk Analysis
Critical Skills Series
Learn to identify and assess the most important financial information required for a credit decision.
Minimum Financial Data for Assessing Borrower Risk
Tax Returns vs. Accrual Statements in Assessing Borrower Risk
Borrower Performance, Loan Classification, and the Risk Grid
Federal Tax
Return Analysis
Return Analysis
Fundamentals Series
Compute key performance ratios, cash flow proxies and UCA cash flow from federal income tax returns.
Business Income Tax Returns
The Section 179 Deduction
Understanding Schedules K-1
Personal Income Tax Returns and Cash Flow
Schedule M-1 and the Accrual Income Statement
Business Income Tax Returns and Ratio Analysis
Business Income Tax Returns and Cash Flow Analysis
Cash Based Income Tax Returns
Financial Projections
& Debt Service
& Debt Service
Mastery Series
Become an expert in forecasting financial performance and performing deep risk analysis.
Projections and Repayment Sources: Part I of II
Projections and Repayment Sources: Part II of II
Healthcare Provider
Analysis
Analysis
Specialized Lending Series
Master financial, management and regulatory assessment of healthcare businesses.
Assessing Hospital Financial Performance
Assessing Medical Practices
Introduction to
Commercial Credit
Commercial Credit
Fundamentals Series
Learn the analytical techniques required to determine if a loan request qualifies for further assessment.
The 5 C's of Commercial Credit
Financial Statements and Business Organizations
Personal Qualities and Competitive Advantage
Critical Ratios and the First Necessary Condition for Success
Non-Financial Red Flags and the Second Necessary Condition
Loan
Documentation
Documentation
Critical Skills Series
Learn the essential elements of properly documented commercial loans.
Commercial Business Loan Documentation
Commercial Real Estate Loan Documentation
Master the
Credit Write-Up
Credit Write-Up
Critical Skills Series
Master the four fundamental issues that must be addressed in every credit write-up.
Introduction to the Credit Write Up
Credit Write-Up Best Practices
Spreading Financial Statements
Non-Profit
& Municipality Analysis
& Municipality Analysis
Specialized Lending Series
Acquire the specific skills needed to perform detailed analysis on non-profit and public entities.
Fund Accounting and Municipality Analysis: Part I of II
Fund Accounting and Municipality Analysis: Part II of II
Not for Profit Analysis
“It Was more interactive and ‘Real world’ than other classes i’ve taken. The pace and tone kept me engaged.”
Commercial Lending Officer, Commercial Bank in Kentucky