{"product_id":"commercial-lending-procedures-1","title":"Commercial Lending Procedures","description":"\u003cdiv class=\"ebsi-team-licence-note\"\u003e\u003cp\u003e\u003cstrong\u003eBuying for a team?\u003c\/strong\u003e\u003cbr\u003eChoose 5 or 10 licences to purchase access for multiple learners at a reduced per-person rate. After purchase, eBSI will contact you to confirm the learner details and arrange course access for each participant.\u003c\/p\u003e\u003c\/div\u003e\n\u003c!-- ebsi-sales-wrapper --\u003e\u003cdiv class=\"ebsi-sales-wrapper\"\u003e\n\u003cp\u003e\u003cstrong\u003eDevelop practical knowledge and confidence in Commercial Lending Procedures.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eThis course will introduce the learner to the extensive procedures involved in commercial lending. The learner will become familiar with application process and documentation, the 5 C’s of credit and the tools associated with them, credit bureaus and their reports, and how to communicate loan decisions, among many other aspects. After completing this program the learner will understand:\u003c\/p\u003e\n\u003ch3\u003eWhy this course matters\u003c\/h3\u003e\n\u003cp\u003eThis course turns the subject into practical, structured learning you can apply in real business and workplace situations. It is designed to help you move beyond definitions and understand how the ideas, tools and decisions covered in the course fit together.\u003c\/p\u003e\n\u003ch3\u003eWhat you will gain\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBuild a practical understanding of the key concepts covered in Commercial Lending Procedures.\u003c\/li\u003e\n\u003cli\u003eRecognise where the topic applies in real workplace or business situations.\u003c\/li\u003e\n\u003cli\u003eApply the methods and good-practice approaches covered in the course with greater confidence.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWho is this course for?\u003c\/h3\u003e\n\u003cp\u003eThis course is suitable for professionals, managers, business owners and learners who want practical knowledge they can apply in real workplace situations.\u003c\/p\u003e\n\u003ch3\u003eCourse at a glance\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eStudy time:\u003c\/strong\u003e approximately 3 hours.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFormat:\u003c\/strong\u003e self-paced online learning.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProfessional development:\u003c\/strong\u003e CPD course.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cspan style=\"text-decoration: underline;\"\u003e\u003cstrong\u003eCourse Description\u003c\/strong\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003eSeat Time: 3hrs - Desc:\u003c\/p\u003e\n\u003cp\u003eThis course will introduce the learner to the extensive procedures involved in commercial lending. The learner will become familiar with application process and documentation, the 5 C’s of credit and the tools associated with them, credit bureaus and their reports, and how to communicate loan decisions, among many other aspects. After completing this program the learner will understand:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eThe underwriting process.\u003c\/li\u003e\n\u003cli\u003eHow to analyze financial information.\u003c\/li\u003e\n\u003cli\u003eHow to finalize a loan.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cul\u003e\u003c\/ul\u003e\n\u003cul style=\"padding: 0px; margin: 0px 0px 15px 20px; color: #686868; font-family: lora, Verdana, Helvetica, Arial, sans-serif; font-size: 14px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\"\u003e\u003c\/ul\u003e\n\u003ch5\u003e\u003cu\u003e\u003cstrong\u003eCourse Topics\u003c\/strong\u003e\u003c\/u\u003e\u003c\/h5\u003e\n\u003cp\u003e\u003cstrong\u003eT1. Commercial Loan Applications:\u003c\/strong\u003e This topic will describe the first steps in the commercial loan application process, which include assessing the borrower's needs, taking the application, and providing all required disclosures.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT2. Documentation:\u003c\/strong\u003e This topic will focus on explaining all of the documentation that is necessary in the application process, which includes the application itself, along with disclosures to the borrower and documents from the borrower.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT3. Underwriting Guidelines:\u003c\/strong\u003e This topic will introduce the learner to the underwriting process and the underwriters' and processors' involvement in income verification requests, preliminary approvals, counteroffers, declines, and exceptions.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT4. Analyzing Financial Information:\u003c\/strong\u003e This topic will familiarize the learner with the process of analyzing financial information, including the analysis of information provided on 1040s, personal statements, balance sheets, income statements, and more.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT5. Tax Returns:\u003c\/strong\u003e This topic will examine the different businesses required to file for tax reporting purposes, such as sole proprietorships, D\/B\/As, and C-Corporations.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT6. The 5 C's of Credit:\u003c\/strong\u003e This topic will provide the learner with an overview of the details, better known as the \"5 C's\", to consider when making a credit decision: character, cash flow, capacity, collateral, and conditions.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT7. Tools for Establishing the 5 C's of Credit:\u003c\/strong\u003e This topic will discuss the tools available to commercial lenders when evaluating the borrower's 5 C's of Credit: Credit bureaus and scoring, evaluations, and processes.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT8. Credit Bureaus:\u003c\/strong\u003e This topic will evaluate the purpose and usefulness of credit bureau agencies to lenders when considering a borrower's acceptability.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT9. Reading Credit Bureau Reports:\u003c\/strong\u003e This topic will deliver further material concerning credit bureau reports and the appraisal of such information, which includes the borrower's credit history, balance information, and more.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT10. Business Bankruptcy:\u003c\/strong\u003e This topic will include an introduction to bankruptcy, and the two major types for which business file.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT11. Commercial Loan Decisions:\u003c\/strong\u003e This topic will focus on how different loan decisions are communicated to the borrower; the possible loan decisions are approval, counteroffer, or decline.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eT12. Closing Documentation:\u003c\/strong\u003e This topic will explain the loan finalization process, with information on closing documents for every loan and situation.\u003c\/p\u003e\n\u003c!-- ebsi-cross-sell --\u003e\u003cdiv class=\"ebsi-cross-sell\"\u003e\n\u003ch3\u003eContinue your learning\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003ePart of this learning pathway:\u003c\/strong\u003e \u003ca href=\"\/collections\/bankers-academy-banking-financial\"\u003eBanking \u0026amp; Finance\u003c\/a\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eLearners also take:\u003c\/strong\u003e \u003ca href=\"\/products\/commercial-lending-procedures\"\u003eCommercial Lending Basics\u003c\/a\u003e  |  \u003ca href=\"\/products\/commercial-lending-basics\"\u003eCommercial Lending Fraud\u003c\/a\u003e  |  \u003ca href=\"\/products\/consumer-lending-procedures\"\u003eConsumer Lending Procedures\u003c\/a\u003e\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c!-- ebsi-academy-breadcrumb --\u003e\n\u003chr\u003e\u003cdiv class=\"ebsi-course-pathway\"\u003e\n\u003cp\u003e\u003cstrong\u003eCourse pathway:\u003c\/strong\u003e \u003ca href=\"\/pages\/welcome-to-ebsi-banking-academy\"\u003eeBSI Banking Academy\u003c\/a\u003e \u0026gt; \u003ca href=\"\/collections\/bankers-academy-banking-financial\"\u003eBanking \u0026amp; Finance\u003c\/a\u003e \u0026gt; Commercial Lending Procedures\u003c\/p\u003e\n\u003cp\u003eExplore more \u003ca href=\"\/collections\/bankers-academy-banking-financial\"\u003eBanking \u0026amp; Finance\u003c\/a\u003e training or return to the \u003ca href=\"\/pages\/welcome-to-ebsi-banking-academy\"\u003eeBSI Banking Academy\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"Bankers Academy","offers":[{"title":"Individual Licence (EUR 60)","offer_id":40900015259826,"sku":"BA-188","price":66.0,"currency_code":"USD","in_stock":true},{"title":"5 Licences (EUR 50 each)","offer_id":59260504768860,"sku":null,"price":275.0,"currency_code":"USD","in_stock":true},{"title":"10 Licences (EUR 40 each)","offer_id":59260504801628,"sku":null,"price":440.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0077\/7604\/3071\/products\/BA-188CommercialLendingProceduresCOVER.png?v=1633306865","url":"https:\/\/www.ebsiamericas.com\/products\/commercial-lending-procedures-1","provider":"eBSI Export Academy","version":"1.0","type":"link"}