Ethics and Commercial Lending

Meet the highest ethical standards to ensure the trust of your customers.

Course Overview
Sometimes codes and protocols are not adequate to determine what is appropriate when serving your client; every client and every situation is different. Your performance must meet the highest ethical standard, ensuring that the trust your customers place in you and your bank is well-founded. Ethical matters may seem trivial, but if not handled properly, they can lead to serious consequences, including litigation and termination of position.

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Ethics and Commercial Lending is a series of six courses presented through case studies, allowing you to identify ethical issues, make ethical choices, and advise a colleague who has a question about an ethically suspect situation.

Who will benefit?
This course is appropriate for any member of a commercial lending department from entry level to senior supervisors and managers.

You will:

  • Identify the ethical decisions you make daily that affect your work and your institution’s reputation.
  • Employ principles-based as opposed to rules based decision making.
  • Define the ethical issues that arise within your daily performance of tasks and duties.
  • Respond properly to those issues.
  • Analyze ethically compromised situations from the point of view of the different people involved.

The series includes:

Series 1: Overview

  • Identify the ethical decisions you make daily that affect your work and your institution’s reputation.
  • Begin employing principles-based as opposed to rules-based decision making.
  • Identify RMA’s Guiding Principles of Business Conduct.

Series 2: Due Diligence

  • Define the ethical issues that arise as a result of due diligence neglect.
  • Respond properly to those issues.
  • Analyze an ethically compromised situation from the point of view of the different people involved.

Series 3: Management Pressure

  • Define the ethical issues that arise as a result of management pressure, such as pressure to delay or overlook items of business protocol, alter or soften the impact of potentially problematic information, or omit potentially damaging information or assessments.
  • Respond properly to those issues.
  • Analyze an ethically-compromised situation from the point of view of the different people involved.

Series 4: Personal and Professional Relationships

  • Identify ethical issues that arise as a result of personal and professional relationships.
  • Respond properly to those issues.
  • Comprehend different perspectives on the same scenarios.

Series 5: Identifying Problem Loans

  • Define the ethical issues that arise as a result of problem loans.
  • Respond properly to those issues.
  • Comprehend the different perspectives involved within a situation.

Series 6: Issues for Managers

  • Identify common organizational ethical lapses and the policies and procedures that lead to these lapses.

Credit Risk Certification: 5 CEUs

To find out more about Ethics and Commercial Lending or to make a purchase, please contact your regional manager.