RMA’s Lending Decision Process 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. They take between 35 and 50 hours to complete.
35 to 50 hours
Assumes basic knowledge of financial accounting and credit analysis.*
Who Will Benefit?
The Lending Decision Process was designed as the foundation of a strong core credit curriculum for loan trainees, credit analysts, and anyone with commercial lending authority.
Assessing Short-term Repayment Ability Using Monthly Pro Formats
Preparing and Interpreting Annual Financial Projections
Using Projections to Help Determine Appropriate Loan Type
Each series in the curriculum details a step or steps in The Lending Decision Process. The series helps learners recognize how qualitative factors influence a company's ability to repay debt, to form an opinion about the accuracy and reliability of the financial statements, and then to perform analytical steps so they can assess a company's creditworthiness.