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What is the course syllabus?

Upon completion of the Commercial Lending course, learners will gain a deeper understanding of businesses and their borrowing needs, evaluate risks, and make good credit decisions. Topics include:

Financial Risk Assessment

  • Credit Analysis Foundation
  • Businesses and Their Borrowing Needs
  • Profitability Ratios
  • Activity Ratios
  • Capital Spending, Leveraging, and Debt Coverage
  • Cash Flow Analysis
  • Projections and Credit Risk Assessment

Market Risk Assessment

  • Credit Analysis Foundations
  • Business Environment
  • Industry Status
  • Competition
  • Company Vulnerability

Management Risk Assessment

  • Credit Analysis Foundations
  • Management Integrity and Scope
  • Management Skill and Execution
  • Management Scope

Mitigating Risk Assessment

  • Credit Enhancements and Profitability
  • Projections and Credit Risk Assessment

How will you learn?

The course is taught online and is composed of 18 modules representing the topics of study. Each module consists of:

  • A module introduction video to highlight the key concepts taught.
  • A diagnostic test to help you identify areas where you should focus your studies.
  • 2 to 4 interactive lessons (video/games), each estimated to take 20 to 30 minutes. Each lesson ends with a quiz to help reinforce the concepts reviewed in the lesson.
  • An end-of-module online exam, to test your mastery of the principles in the module.

Simulation exercise: The simulation assesses the lenders’ ability to apply what they’d learned by working through a real business lending scenario. You are required to gather data, analyze credit risk and recommend a loan decision and structure, and then compare your decisions and recommendations with those of an expert.

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