Program Description:
This AIB course provides the knowledge and skills
required to identify the credit needs of various types
of business customers and to sell a “total banking”
relationship. It also prepares participants to assess the
customer’s credit worthiness by examining income
statements and balance sheets. The course covers both
the technical side of commercial lending and the
interpersonal skills required to be a successful loan
officer. It covers the total lending process from loan
interviewing and credit investigation to problem loan
resolution and loan monitoring.
After successfully completing this course, the student will be able to:
- Explain the key elements of a loan interview and
credit investigation
- Describe the “cash-flow cycle” of various types of
businesses
- Explain the relationship between loan structuring
and business type
- Complete a basic income statement and balance sheet analysis
- Describe the documentation and procedures
required for collateral perfection
- Identify the common warning signs of problem loans.
Who Should Attend:
New commercial lending officers and bank employees
supporting commercial loan operations. Customer
Service Representatives and other branch personnel who
have direct contact with business owners and managers.
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