The Lending Decision Process

The Lending Decision Process, Omni Intermedia Gold Award winner for outstanding media production in the educational category, offers a sound foundation in the basics of commercial lending and credit. Through Web-based, audiovisual features, these 17 courses (or six separate series) present the analytical and decision-making techniques needed to make sound credit decisions using financial accounting, financial statement analysis, and cash flow analysis. Also included is an optional Accounting Refresher course for those who need to brush up on their accounting skills. There are 18 courses in the complete Lending Decision Process Series. They take between 35 and 50 hours to complete.

View an Interactive Tutorial

* To purchase an individual Lending Decision Process seat, please click here.

The series includes:

Series 1: Industry, Management, and Economic Influences

  • Understanding the Customer’s Operating Environment
  • Understanding the Customer’s Business and Management

Series 2: Interpreting Quality of Financial Reports and Accounts

  • Financial Statements Overview
  • Balance Sheet and Income Statement Overview

Series 3: Analyzing the Company's Financial Performance and Condition

  • Spreading Financial Statements
  • Analyzing the Balance Sheet
  • Analyzing the Income Statement
  • Analyzing Combined Balance Sheets and Income Statements

Series 4: The Cash Cycle, Seasonality, and Discovering Borrowing Causes and Repayment Sources

  • Business Cash Cycles
  • Seasonality
  • Discovering Borrowing Causes and Repayment Sources

Series 5: Analyzing Cash Flow Statements to Measure Long-term Repayment Ability

  • Cash Flow Statements and Their Formats
  • Analyzing Cash Flow
  • Debt Service Coverage

Series 6: Using Financial Projections to Fine Tune the Credit Analysis

  • Using Pro Forma Balance Sheets to Interpret Short-term Repayment Ability
  • Preparing and Interpreting Annual Financial Projections
  • Using Projections to Help Determine Appropriate Loan Type

Blending Learning Options

Unmatched in the marketplace, RMA’s Blended Learning Options for The Lending Decision Process give decisionmakers
the ability to select blended alternatives that will work best for their institution and their employees. LDP Blended
Learning Options reinforce existing concepts covered in the online course material; highlight key learning points; and
expand understanding. Choose from three options:

Option 1: Live Web Seminar Review with Pre-work
Consists of an introductory seminar plus three additional seminars each providing a summary of key learning points:

  • Preliminary assignment
  • Introductory seminar
  • Three seminars – combined series (1&2, 3&4, 5&6):
    • Assignments due for each Web seminar (returned to faculty upon completion).

Option 2: Live Web Seminar Review with Pre-Work and Culminating Case Study and Credit Write-Up
Consists of an introductory seminar plus three additional seminars each providing a summary of key learning points:

  • Preliminary assignment
  • Introductory seminar
  • Three seminars – combined series (1&2, 3&4, 5&6):
    • Assignments due for each Web seminar (returned to faculty upon completion)
  • Culminating case study and credit write-up:
    • Assignments due for small group presentations and individual credit write-up (returned to faculty upon completion)

Option 3: Recorded Web Seminar Review – No Pre-Work
This option provides a recorded seminar that consists of an introductory seminar plus three additional seminars each providing a summary of key learning points.

To find out more about The Lending Decision Process or to make a purchase, please contact your regional manager or ldp@rmahq.org.