9804 Agricultural Lending   
This hands-on learning session is a thorough overview of the agricultural lending function and decision making process of a financial institution. Participants will learn and review agricultural balance sheet, income statements, statement of cash flow, credit analysis and the loan structure.
Audience: Beginning agricultural lenders, credit analysts and loan review personnel, and loan documentation personnel.

6350 Commercial Lending         
Commercial Lending will give the participants 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 students 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. After successfully completing this program, participants 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 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.
Audience: Customer service representatives and other branch personnel who have direct contact with small business owners and managers. Entry-level commercial lending officers and bank employees supporting the commercial loan operations.

9806 Commercial Lending Accelerated   
This course will focus on assessing portfolio risk, analysis of financial statements, key ratios, and cash flow. The emphases will be on practical tools to properly assess commercial lending credit risk.
Audience: Lenders who will be beginning or are in their first few years of commercial lending.

7008 Consumer Lending       
Consumer Lending offers an insider's view of consumer lending and essential information about the regulations governing credit practices, reviews loan processing, cross-selling and collections. After successfully completing this program, participants will be able to: identify components of the consumer installment credit market, describe various loan products, trace the lending process, apply credit math and loan pricing principles, recognize variables that affect loan structure, identify opportunities for cross-selling bank products.
Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.

9803 Consumer Lending Accelerated   
This short course is a valuable tool that will assist your staff in analyzing the consumer market by exploring market characteristics, market factors and developing a marketing strategy. Users will also learn effective loan pricing principles and formulas, plus a hands-on walk-through of the consumer lending process. This is a great reference tool for any employee in the consumer or retail function of the financial institution.
Audience: This 4-week course is ideal for lenders who will be beginning or are in their first few years of consumer lending, credit analysts and loan review personnel, loan documentation personnel, and any bank personnel who need an understanding of the consumer lending function.

Consumer Lending Overview   

7018 Fundamentals of Consumer Lending       
This AIB course provides participants with basic knowledge about consumer credit. It covers terminology, basic categories of consumer credit, determining credit worthiness, and the application process. It includes the origin of regulations protecting consumer credit transactions, and reviews specific regulations that apply to consumer credit.

After successfully completing this course, you will be able to:

• Explain how banks make money from loans
• Describe the basic categories of consumer credit open-end, closed-end, secured, and unsecured
• Define basic credit terminology
• Describe the five Cs of credit
• Describe the application process and actions required to assure bank compliance with regulations.

Recommended AIB Credit: 1/2

7836 Fundamentals of Mortgage Lending   
This AIB course covers the basic terminology and regulations of mortgage lending and also provides information on the secondary market. The benefits to a financial institution derived from selling mortgage loans are explained.

After successfully completing this course, you will be able to

• Describe basic terminology regarding interest rates, fees, job functions, and how credit decisions are made
• Calculate LTV and determine if escrows are needed
• Explain credit scoring
• Identify mortgage lending regulations and how they apply to the mortgage lending process.

Recommended AIB Credit: 1/2

Intro to Mortgage Lending (Residential)     

6366 Problem Loan Workout     
This course will explore the four major components of problem loan management. Problem Loan Detection will explore how problems loans can be avoided and how loans can be managed to make early detection possible. Problem Loan Situation Evaluation will consider what must be done to confirm the bank's position with the borrower in preparation for negotiation with the borrower. Problem Loan Negotiation will cover the negotiation process in determining the best course of action to resolve problem loans. Problem Loan Resolution will consider alternatives of resolution and how to proceed with options for workout or liquidation. Audience: Commercial lenders, those in training to be commercial lenders, business bankers, small business lenders, credit analysts, loan review personnel and other bank personnel interested in the subject of problem loan management and resolution.

7814 Profiling Mortgage Prospects   
This AIB course provides participants with the knowledge to profile a prospective client and recommend the mortgage product that would best fit his or her individual needs. It reviews mortgage terminology, fixed-rate and adjustable-rate mortgage products, and mortgage referrals. Conventional, FHA, and VA loan products are presented.

After successfully completing this course, you will be able to

• Describe the features and benefits of conventional, fixed and adjustable-rate, FHA, and VA loans
• Identify the client profile who generally benefits from the mortgage type
• Use key questions to help clients determine beneficial mortgage financing options
• Effectively refer mortgage loan application clients to the appropriate person
• Identify mortgage lending regulations and the situations to which they apply during the mortgage lending process.

Recommended AIB Credit: 1/2

REAL ESTATE APPRAISAL REVIEW   

Residential Mortgage Lending Overview   

7803 AIB Understanding Your Construction Borrower       
Entry-level commercial lenders and small business bankers serving clients with construction needs, managers and loan officers of construction lending groups, and other bank personnel, such as analysts and loan administrators, involved with construction loans.

This AIB course provides an overview of the construction process that will help you better evaluate and serve your construction borrower. It examines the overall construction process and the documents typically required for loan approval. Also included is an overview of project types and the idiosyncrasies pertaining to them. Specific topics include construction document reviews, construction budgets, soils reports, municipal approvals, loan administration and project closing. Discussions include the loan closing, payment disbursements and title work.

After successfully completing this course, you will be able to

• Understand the types of construction project management
• Review a construction budget
• Describe the purpose of a soils report
• Understand the impact of municipal approvals
• Discuss the risks within budgets, soils reports, and municipal approvals
• Discuss the construction loan administration process
• Identify potential items of concern for certain project types
• Be familiar with general construction terms and concepts

Recommended AIB Credit: 2

Legend:
	=	Instructor-Led		=	Online Instructor-Led
	=	Online Self-Paced		=	Independent Study