The Lending Decision Process offers a sound foundation in the basics of commercial lending and credit. Through Web-based, audiovisual features, these courses present the analytical and decision-making techniques needed to make sound credit decisions using financial accounting, financial statement analysis, and cash flow analysis. The courses are licensed as a complete library (all 17) or as six separate series.
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