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 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

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

Questions? Please contact your regional manager or ldp@rmahq.org