Credit Expertise for Every Member of Your Team
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Foundations
4 learning pathsAccounting & Finance Foundations for Lenders
Self-paced accounting training for new bank hires: read the three financial statements, property operating statements, and business tax returns fluently in 5 courses and 24 short modules. The first of the two learning paths for new banking professionals.
Commercial Lending Fundamentals
Self-paced commercial credit training for new bank hires: how lending works, the five C’s of credit, loan types and structures, collateral and documentation, and the credit process, ending with a real credit file. The second of the two learning paths for new banking professionals.
Consumer Lending Fundamentals
The mechanics of consumer credit: products, bureaus, scoring, and repayment.
Ethics in Banking & Credit Decisions
Recognize and resolve the ethical questions that come up in lending, from conflicts of interest to fair treatment of borrowers.
Commercial Business Underwriting
4 learning pathsC&I Loan Underwriting
Self-paced C&I underwriting training for credit analysts and lenders: screen the request, spread and analyze the financials, build the UCA cash flow, project repayment, weigh guarantors and collateral, and write the credit memo on real borrower files.
C&I Credit Risk Analysis
A structured framework for grading borrower, industry, and structure risk on C&I credits.
Commercial Loan Structuring
Structure sound loans with the right terms, covenants, and protections for the risk.
C&I Financial Statement Spreading
Spread business financial statements accurately for C&I borrowers, the foundation every downstream analysis rests on.
Commercial Real Estate Underwriting
8 learning pathsCRE Loan Underwriting
Self-paced CRE underwriting training for credit analysts and lenders: work from rent roll and leases to NOI, review the appraisal and cap rate, analyze the borrower and guarantor with the UCA cash flow model, size and stress the loan, and write the credit memo.
CRE Credit Risk Analysis
Grade borrower, property, and structure risk on commercial real estate credits.
CRE Financial Statement Spreading
Spread property and guarantor financials for commercial real estate credits.
CRE Proforma, DSCR & Stress Testing
Build a property proforma, size debt service, and stress income-producing real estate.
CRE Due Diligence
Run the due diligence a commercial real estate credit requires before closing.
CRE Appraisal & Environmental Review
Review commercial real estate appraisals and environmental reports critically, and know when a finding changes the credit.
CRE Loan Structuring
Structure commercial real estate loans with terms, covenants, and protections that fit the property.
CRE Property Types
Understand how office, retail, industrial, multifamily, and hospitality properties earn income, and the risks each carries.
Cash Flow Analysis
6 learning pathsBusiness and Guarantor Cash Flow Analysis
Analyze a business's cash flow and its guarantors' personal cash flow, and judge how much support each really provides.
Global Cash Flow Analysis
Combine business and personal cash flow into one global view of a borrower’s capacity to repay.
Cash Flow Analysis Methods & Risk
Compare cash flow methods and proxies, and know which to trust for risk assessment.
Tax Return Analysis for Lenders
Read business and personal federal returns and translate them into reliable cash flow.
Financial Projections & DSCR Analysis
Build credible projections and stress debt service coverage through a full cycle.
Leveraged Lending & Complex Cash Flow
Underwrite leveraged credits and the complex cash flow behind them.
Critical Banking Skills
4 learning pathsBusiness Valuation
Value enterprises and grade corporate credit risk for larger borrowers.
Loan Documentation
Assemble the note, security, and guaranty package that holds up in default.
Mastering the Credit Memo
Produce a credit memo that clears committee in one pass and ages well.
ALM: Asset-Liability Management Basics
The fundamentals of asset/liability management and interest-rate risk.
Specialty Lending
6 learning pathsAsset-Based Lending
Underwrite asset-based credits, from borrowing base to collateral monitoring.
Automotive Dealer Lending
Self-paced dealer lending training for lenders and credit analysts: read the dealer financial package, control floorplan with audits and out-of-trust checks, build dealer UCA cash flow, and underwrite dealership real estate, dealer groups, and independent and BHPH dealers.
Healthcare Provider Lending
Underwrite healthcare providers, with reimbursement and payer mix at the center.
Professional Service Firm Lending
Underwrite professional service firms, where people and receivables drive value.
SBA & Government-Guaranteed Lending
Originate and structure SBA and government-guaranteed loans within program rules.
Lending to Non-Profit Organizations
Underwrite non-profits and municipalities, reading fund accounting and public budgets.
Construction Lending
4 learning pathsCommercial Construction Lending
Self-paced construction lending training for lenders and loan administrators: validate feasibility and budgets, size and structure the loan, review draw requests and lien waivers, manage retainage, change orders, and completion, and stress test and work out troubled projects.
Residential Construction & STR Lending
Underwrite homebuilder and residential construction credits.
Construction Loan Documentation
Document construction loans, with the draw, retainage, and lien protections that hold up.
Contractor Lending
Underwrite contractors, with backlog, work in progress, and bonding at the center.
Private Banking & Personal Credit
3 learning pathsPrivate Banking & High-Net-Worth Lending
Lend to high-net-worth individuals, reading personal balance sheets and liquidity.
Personal Financial Statement Spreading
Spread personal and estate financial statements for private banking credits.
Trusts & Asset Protection Structures
Lend to borrowers who hold assets through trusts and protection structures, and know what the lender can actually reach.
Problem Loans & Special Assets
6 learning pathsSpecial Assets: Problem Loan Workouts
Identify, grade, and work out problem loans through the stages of resolution.
Distressed CRE Loans & Workouts
Work out distressed commercial real estate loans: valuation, restructuring options, and the path to resolution.
Distressed Cash Flow Analysis
Analyze complex and distressed cash flow, including normalizations and reconciliations.
Collateral Analysis & Recovery Projections
Project distressed cash flow and analyze collateral in a workout.
Regulatory Framework for Problem Loans
Navigate the regulatory requirements and framework governing problem credits.
Borrower Red Flags: Non-Financial Signs
Catch the non-financial warning signs that precede financial deterioration.
Lender Skills & Leadership
4 learning pathsNegotiation Skills for Lenders
Negotiate terms and structure that hold the deal together and protect the bank.
Relationship Management for Lenders
Manage lending relationships that grow the book while protecting credit quality.
Borrower Interview Effectiveness
Run borrower interviews that surface the real story behind the numbers.
Credit Team Leadership & Management
Manage credit teams and coach analysts to consistent, defensible credit judgment.
Governance & Regulatory
9 learning pathsLoan Review
Review credits independently, validating grades, documentation, and analysis.
Bank Exam Preparation
Prepare a credit function for examination and align files to examiner expectations.
Credit Policy & Governance
Set credit policy and governance that hold up to examiners and the board.
CECL Implementation for Banks
Implement CECL: methodology, data, and the judgment behind the reserve.
CECL Governance & Oversight
Govern the CECL process: controls, documentation, and board oversight.
Model Risk Management & Governance
Govern model risk, from validation to ongoing monitoring.
ERM: Enterprise Risk Management
An overview of enterprise risk management for a lending institution.
Board Reporting for Credit & Risk
Report credit risk to the board clearly, accurately, and usefully.
Insider Lending & Regulation O
Apply the rules and controls governing insider and affiliate lending.
Portfolio & Risk Analysis
5 learning pathsCredit Risk Analysis
A structured framework for grading borrower, industry, and structure risk.
Industry & Competitive Risk Analysis
Assess the industry, market position, and competitive risks behind a borrower’s numbers.
Macro Risk Analysis for Lenders
Read macroeconomic risks and their effect on a credit portfolio.
Loan Portfolio Management
Manage a loan portfolio for concentration, migration, and overall credit quality.
Concentration Risk Management
Measure and manage concentration risk across a loan portfolio.
Agricultural Lending
13 learning pathsAg Lending Fundamentals
Orient to agricultural lending: borrowers, cycles, collateral, and what makes farm credit different.
Ag Loan Underwriting
Underwrite agricultural credits end to end, using the UCA cash flow model.
Ag Financial Statement Spreading
Spread farm and ranch financials, including the accrual adjustments ag lending requires.
Ag Industry Analysis
Analyze agricultural sectors, commodity cycles, and the forces that drive farm profitability.
Ag Projections, DSCR & Stress Testing
Project farm cash flow, size debt service, and stress agricultural credits.
Ag Fixed & Productive Asset Analysis
Value and analyze productive and fixed farm assets as collateral and capacity.
Farm Management Assessment
Evaluate farm management capability, planning, and execution as repayment factors.
Farm Working Capital & Operating Cycle
Analyze the working capital cycle and its role in seasonal and operating credit needs.
Farm Owner Compensation & Withdrawals
Assess owner compensation and withdrawals in farming and their effect on cash flow.
Farm Entity & Estate Planning
Understand how farm entities and estate plans shape ownership, control, and succession, and what they mean for the loan.
Farmland & Water Rights Lending
Lend against farmland and water rights, valuing the land and the water that makes it productive.
Ag Commodity Hedging Basics
Read a borrower's hedging program: futures, options, and forward contracts, and how they protect or strain repayment.
USDA Programs & Farm Subsidies
Understand USDA guarantee programs and farm subsidies, and how they support or complicate an agricultural credit.
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