RMA’s Small Business Lending Decision Process is a library of 14 interactive, web-based courses and an optional accounting refresher course designed to teach learners the analytical and decision-making techniques they need to evaluate small business lending opportunities and make sound credit decisions.
25 to 30 hours
A college-level course in Financial Accounting or equivalent experience. An accounting refresher course is offered with the series to assist learners in re-familiarizing themselves with the necessary skills.
Who Will Benefit?
Credit or lending professionals that make loans to small businesses. This includes relationship managers, branch managers, commercial lenders, small business lenders, and credit analysts.
Member: $749 Nonmember: $1,449
Develop a Company Overview
Analyze Market & Industry Risks
Interpreting Reliability and Comparability of Financial Statements
Interpreting Quality and Consistency of Balance Sheets and Income Statements
Preparing Financial Statements for Analysis
Financial Efficiency and Cash Cycles
Analyzing Interim Financial Statements
Non-seasonal Events and Trends
Using Tax Returns to Analyze the Borrower
Analyze Personal Financial Statements and Tax Returns
Analyze Global Cash Flow
Recommend the Structure of the Small Business Loan
Document the Loan
Monitor the Loan and Look for Opportunities
RMA's Small Business Lending Decision Process includes two case studies to apply concepts learned throughout the curriculum:
Edge Manufacturing is seeking a $600,000 line of credit and a $1.4 million term loan to support working capital needs, refinance existing term debt, and acquire new equipment
CHESS is seeking a $1 million line of credit to acquire used equipment for rental.