Certification Program
All Courses
Prep Course (Optional)
- Fundamentals of Credit
- Accounting Fundamentals
- Forms of Business Structure
- Introduction to Banking
- Banking Products & Services
Core Courses (Mandatory)
- Professional Ethics
- 5 C’s of Credit
- Reading Business Financial Information
- Financial Analysis Fundamentals
- Evaluating a Business Plan
- Assessing a Business Plan
- Assessing Drivers of Business Growth
- Assessing Management
- Cash Flow Cycles & Analysis
- Building a 3 Statement Financial Model
- Loan Security
- Loan Covenants
- Credit Administration & Documentations
- Account Monitoring & Warning Signs
- Business Writing Fundamentals
- Completing a Credit Application
Electives (Optional)
- Commercial Banking – Debt Modeling
- Real Estate Fundamentals
- How to read a commercial Real Estate Appraisal
Curriculum Topics
- Financial Analysis
- Margins, Ratios, Trends, Profitability, Cash Flow, Leverage
- Key Lending Ratios: Working Capital Ratio, Debt to Equity ratio, Debt Service Coverage Ratio
- Income Statement, Balance Sheet, Cash Flow Statement
- Levels of Financial Reporting: Auditing, Review Engagement, Notice to reader
- Business Taxation
- Credit Evaluation & Documentation
- Covenants: Positive vs Negative; Non-Financial
- The Stringency of Financial Statements: NTR vs. Reviewed vs. Audited
- Credit Risk Rating Considerations
- Cash Flow Considerations: Revenue, COGS. Margins. A/R. Inventory. A/P. CapEx
- Credit Considerations: Debt Level, Interest Rates, Expansion Plans
- Account Review Procedures
- Management & Business Analysis
- Business Structures: Sole Proprietorship, Partnership Corporation, Limited Liability Companies, Franchises, Joint Ventures
- Business Lifecycle
- Competitive advantage
- Ansoff Growth Matrix
- SWOT Analysis
- Management Assessment Framework
- PESTEL Analysis
- Hax’s Delta Model
- Risk Management
- Loan Security
- Direct & Indirect Security
- GSA vs Guarantee vs Collateral
- MAST
- Accounting Monitoring
- Industry Analysis
- PESTEL Analysis
- Porter’s Five Forces
- Industry Life Cycle
Course Features
- Lectures 0
- Quizzes 0
- Skill level All levels
- Language English
- Students 26
- Assessments Yes
Curriculum is empty
