Commercial Loans to Small Business

How can you ensure that your lenders maximise opportunities and mitigate risks when analysing small business borrowers' loan requests? By training your lenders to consider the business and related personal factors impacting creditworthiness and repayment capacity.

Why Commercial Loans to Small Business?

Commercial Loans to Small Business teaches a comprehensive analysis process for extending credit to small business borrowers. It provides commercial lenders with the skills and information they need to make sound, well-informed loan decisions specific to small businesses.

The program is offered in a variety delivery methods, allowing flexibility for your lenders.

Who Should Be Trained?

Commercial Loans to Small Business is recommended for bankers with a solid grasp of accounting fundamentals, including:

• Entry-level and mid-career commercial lenders
• Entry-level and mid-career credit analysts
• Credit administration staff
• Loan review staff
• Retail bankers with small business lending responsibilities
• Small business banking staff

Delivery Method

Commercial Loans to Small Business can be delivered in a variety of ways, including as a print-based self-study with or without additional coaching, or an online course with or without a printed reference guide. The print-based self-study, which generally takes 40 to 60 hours to complete, can be accompanied by an optional three-day workshop.

Results

Commercial Loans to Small Business helps you:

• Compete effectively in the small business market
• Develop a more profitable, lower-risk loan portfolio
• Improve relationships with small business borrowers by better understanding their credit needs
• Increase lending efficiency
• Provide more flexibility in delivering high-quality training
• Create a common vocabulary and lending process throughout the organisation

What Is Included?

Commercial Loans to Small Business contains the following self-study modules, each of which covers an important facet of the decision strategy for lending to the small business market. Modules include:

• Opportunity Assessment
• Identifying Borrowing Causes
• Analysing Industry Risk
• Analysing Business Risk
• Analysing Business Financial Statements
• Analysing Personal Financial Statements
• Analysing Cash Flow and Sensitivity
• Structuring the Loan