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Analyzing the Commercial Borrower's Industry, Market, and Competitive Risks

Course Overview

Analyzing the Commercial Borrower’s Industry, Market, and Competitive Risks is designed for new lenders who need to understand the lending process and for experienced lenders who need to update their lending skills. This course provides the participants with a foundation on which to base sound credit decisions derived from financial statement analysis and an analysis of the real-world environment in which companies operate.



7.5 hours


Instructor-Led Online

Program Level







Who Will Benefit?

Bankers who have experience in areas other than business credit or who studied finance in college and now need experience in credit risk analysis will benefit from this course. This course will be especially useful for management and commercial loan trainees, credit analysts, and branch managers with business loan responsibilities.


Learning Objectives

Upon completion of this course, participants will be able to:

  • Determine the economic and industry factors that influence a company’s financial requirements.
  • Identify the health of the company, its business strategy, and the adequacy of its management.
  • Analyze the quality of financial statements.
  • Understand the interrelationship between business, industry, management risk factors, and their effect on the credit decision-making process.
  • Identify the effects of how the type of industry, company size, and growth-stage can change risk.
  • Apply these sound credit decisions to a real company.


Through a mix of small and large group activities, case studies, and active discussions, participants are better prepared to apply the content learned when they return to their jobs. The following cases are described in Analyzing the Commercial Borrower's Industry, Market, and Competitive Risk:

  • Worldwide Express is an airfreight company with net income of over $180 million.
  • Swartz & Sons is a manufacturer of children’s clothing located on the East Coast with net sales of $94.9 million.

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