Commercial Lending School - Session III

The Commercial Lending School is an advanced training program designed for credit professionals seeking to deepen their expertise in Commercial, Industrial, and Real Estate lending. This intensive course focuses on leveraging credit ratios and advanced cash flow analysis to accurately assess borrower creditworthiness and structure loans effectively.

Participants will learn how changes in balance sheet and income statement metrics impact cash flow, explore advanced forecasting techniques, and calculate sustainable growth rates to evaluate a borrower’s ability to expand without excessive leverage. The program also includes a dedicated session on Commercial Real Estate lending, covering loan types, lease reviews, appraisals, and cash flow calculations.

Through case studies and practical applications, attendees will gain the tools to write more insightful credit analyses, recognize early warning signs of financial stress, and structure both short-term and long-term credits with confidence.

Key Topics Include:

• Advanced Credit Ratio Analysis
• Net Working Investment and Short-Term Funding Needs
• Uniform Cash Flow Analysis (including Balance Sheet integration)
• Financial Forecasting and Sustainable Growth Rate Calculation
• Loan Structuring for Commercial and Industrial Borrowers
• Discounted Cash Flow for Capital Expenditures
• Commercial Real Estate Lending Fundamentals

Who Should Attend:
Commercial and Consumer Loan Officers, Branch Managers, Credit Analysts, Loan Review Personnel, Senior Loan Officers, Senior Credit Officers, and Business Development Officers.

Prerequisites:
Basic knowledge of accounting principles, financial statements, and standard credit ratios is recommended.