Lending is all about risk management. Support personnel have a key role in the commercial and business lending process, and they can help to create a safe and sound loan portfolio.
Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender and provides an overview of what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.
What You’ll Learn
- Overview of the key steps in the commercial and business lending process
- Role of loan policy and typical content areas
- Types of financial analyses conducted
- Four keys to loan structuring, plus related terminology
- Loans as defined by financing length or term (loans, lines of credit, etc.)
- Loans as defined by collateral (secured or unsecured)
- Loans as defined by third-party support (guaranteed or non-recourse)
- Overview of how financial institutions establish a risk rating for commercial and business loans
- Importance of ongoing loan monitoring after the loan is closed
- Five Cs of Credit
Who Should Attend
This session is ideal for community institution personnel in non-lending roles and professionals in larger organizations in roles such as lending assistants, loan processors, loan operations personnel, new credit analysts, loan review personnel, internal auditors, and compliance specialists.
