Business Lending Fundamentals

Your Branch Managers and other bankers charged with winning and retaining Small Business relationships already have a basic level of business acumen. However, while they are not responsible for fully analysing/underwriting a loan opportunity, they do play a key, frontend role in differentiating from what is a bankable opportunity and what is not. How do you bridge the gap that falls between basic business acumen and full blown credit analytics? Business Lending Fundamentals bridges that gap perfectly.

Why Business Lending Fundamentals?

Business Lending Fundamentals will help your staff efficiently and confidently obtain the right information needed for underwriting. They will learn how to establish credibility and build new business relationships, have more productive communication with central underwriting resources, and communicate credit decisions to the customer constructively and professionally.

Who Should be Trained?

Business Lending Fundamentals is appropriate for front-line business contact staff including:

• Branch managers
• Business development officers
• Business banking officers
• Business relationship officers
• Personal bankers

Delivery Method

Business Lending Fundamentals has multiple delivery options. The five self-study module scan be delivered alone or combined with a workshop. Most participants complete the self-study in 10 to 12 hours. The workshop is focused on applying the skills and knowledge to two case studies. It consists of four half-day sessions that can be delivered consecutively over two full days or individually spread over several weeks.

Results

Business Lending Fundamentals helps you:

• Develop a more profitable, lower-risk business loan portfolio
• Increase lending efficiency by focusing on viable credits and reducing time spent on loans that are not bankable
• Strengthen relationships with small business customers through a better understanding of their credit needs and more effective communication of credit solutions
• Create a common vocabulary and lending process throughout the organisation
• Improve communication and productivity between origination and underwriting

What is Included?

Business Lending Fundamentals includes the following self-study modules, each of which covers an important set of skills for performing the job of originating business credit relationships:

• Learning about the Business
• Understanding Business Borrowing
• Assessing the Business and Management
• Fundamentals of Financial Statement and Tax Return
• Understanding and Communicating Credit Solutions

Omega Key Differentiators

• Developed by the leader in small business and commercial banking opportunity assessment
• Provides the opportunity to combine industry best-practices with organisation-specific protocols
• Part of a new, comprehensive curriculum aimed at helping your staff win small business customers and build long-lasting, profitable relationships

Learning Method: