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. Also included is an optional Accounting Refresher course for those who need to brush up on their accounting skills. There are 18 courses included in the complete Lending Decision Process Series. They take between 35 and 50 hours to complete.
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Who will benefit?
Loan trainees, credit analysts, and anyone with commercial lending authority.
- Analyze the competitive forces in an industry.
- Determine key success factors in the company's industry.
- Explain the stages of the general business cycle and the impact economic cycles and conditions can have on different businesses.
- Describe the financial behavior of industries, products and companies throughout their life cycles.
- Connect a company's industry, business and product life cycles to their related financing needs.
- Prepare a company overview of its products and services, customers, suppliers, facilities, management, ownership and company history.
- Appraise the company's likelihood of success, considering prior risk mitigation, competitive advantages, management qualifications and effectiveness of business strategies.
- Appraise the depth and breadth of management skill, experience and organization.
The series includes:
Series 1: Industry, Management, and Economic Influences
- Industry and Economic Influences
- Understanding the Business
Series 2: Interpreting Quality of Financial Reports and Accounts
- Interpreting Reliability and Comparability of Financial Statements
- Interpreting Quality and Consistency of Balance Sheet and Income Statement
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
- 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 Measures
Series 6: Using Financial Projections to Fine Tune the Credit Analysis
- Assessing Short-term Repayment Ability Using Monthly Pro Formas
- Preparing and Interpreting Annual Financial Projections
- Using Projections to Help Determine Appropriate Loan Type
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