Skip to Main Content
ICBA
ICBA
  • Member Login
  • Member Login
In Person
Earn Professional Certification

Commercial Lending Institute

  • Aug 2–Aug 6, 2026
  • |
  • Bloomington, MN
  • |
  • Institute
  • |
  • CPE Credits: 36.00
Read More

Date: Information  Livestream events are Central Time / In-person events are location's local time.
Sunday, Aug 2

01:30 PM – 02:00 PM

Registration

02:00 PM – 05:00 PM

Role of the Commercial Lender & First Duties   

Customer Pre-Work & Call Visit  

Prospecting – Purpose and Strategies  

Prospect Pre-Work & Sales Call 

  • Sales Stats 1-21 

  • Tyler & Joey’s Top 5  

The Credit Process Cycle 

  • Loan Application 

  • Lender Analysis 

  • Credit Request Form 

  • Approval Process 

  • Loan Closing 

  • Monitoring 

Napkin Underwriting/ Debt Schedule/ Pre-Flights  

Business Financial Analysis   

  • Dos and Don’ts of a write-up 

  • Financial Calculations 

Monday, Aug 3

08:00 AM – 12:00 PM

Loan Underwriting & Analysis Basics (from Lender Perspective) 

  • S Corporations 

  • C Corporations 

  • LLC’s 

  • Partnerships 

  • Sole Proprietorships 

12:00 PM – 12:45 PM

Lunch

01:00 PM – 05:00 PM

Review of Sample Tax Returns & Financials 

  • Acme Framing Company Inc. 

  • Bob’s Bar & Grill Inc. 

  • Bob The Builder 

  • Bob Page Schedule E-1 & II, K-1 

  • Bob the Builder 1040 Return 

  • Dewey, Cheatem & Howe PA 

  • Walmarte Music Store, Inc. 

  • Wal-Mart Annual Report

Tuesday, Aug 4

08:00 AM – 12:00 PM

Credit Analysis & Building the Loan Package 

Understanding Your Credit Culture 

Introduction to Credit Risk 

Proper Credit Structure 

Assessing the Borrowers’ Request 

12:00 PM – 12:45 PM

Lunch 

12:45 PM – 05:00 PM

Core Cash Driver Understanding 

Cash to Cash Cycle 

Sensitivity Analysis 

UCA Cash Flow Analysis 

Industry Case Studies 

Wednesday, Aug 5

08:00 AM – 12:00 PM

Understanding Structure, Continued 

Pricing 

Covenants 

Collateral 

Assessing Real Estate 

Commitment Letters 

Loan Management & Monitoring 

Final Case Study 

12:00 PM – 12:45 PM

Lunch

12:45 PM – 05:30 PM

Legal Issues  

  • Loan Documentation 

  • Lender Liability 

  • Regulatory Hot Topics 

  • Bank Troubles and Issues (examples) 

Thursday, Aug 6

08:00 AM – 12:00 PM

Final Case Preparation 

Loan Case Study Presentations 

Monday, Aug 10

10:00 AM – 11:35 AM

Certification Exam - Held via ICBA online portal for those enrolled in CCLO certification program. The certification exam will be available following the conclusion of the institute. You will be able to access and complete the exam any time after the institute adjourns. 

However, you must complete the exam no later than the exam time shown above. The exam is timed, and you will be allotted the same amount of time to complete the exam no matter when you choose to take it.  

Note - If you do not pass the exam, you will have the opportunity to retake the exam at a future retake date.  The retest exam is scheduled for Thursday, August 20 at 10:00 a.m. 

Audience Price

ICBA Member

$ 1,699.00

Non-Member

$ 2,199.00

Non-Banker*

$ 2,699.00

*Attendance may be subject to ICBA approval.
For attendance and cancellation policies see Disclaimers

Bloomington, MN

Who should attend:

Lending, Commercial Lending, Credit Administration

Prerequisites:

Experience in credit analysis and credit management.

Advanced Preparation:

None

Program Level:

Intermediate

Field of Study:

Specialized Knowledge

Delivery Method:

Group Live

Continuing Professional
Education (CPE) Credit Hours:

36.00 hrs

Bob Page

Bob PageOpens in a new tab

Senior Vice President

SouthState Bank

brad stevens

Brad StevensOpens in a new tab

President

Stevens Risk Management LLC

Doc Bodine

Doc Bodine

Gerrish Smith Tuck

Attendance and Cancellation Policy

  • Full payment is required prior to event attendance.
  • Registration fee is valid for only the individual registered. Each attendee must register.
  • A substitute registration will be accepted. Please notify ICBA Education if registration needs to be changed.
  • If registration is cancelled more than 30 days prior to the event start date, you will receive a full refund.
  • If cancellation is within 30 days prior to the event start date, 20 percent of the registration fee paid will be deducted for costs.
  • No refunds will be issued once the bank has received event materials or after the event start date.
  • If the program is canceled by ICBA, ICBA’s liability is limited to the registration fee.
  • All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed by ICBA.

This event is not recorded. For more information, call 800-422-7285 or email education@icba.org.


Continuing Professional Education Credit (CPE) Requirements

To receive full CPE credit for the in-person event you must meet the following requirements:

  • Sign in daily. The sign-in sheet will be located on the registration table outside of the conference room.

  • Attend the session in its entirety.

  • Participate in all group activities and projects.

  • In accordance with the standards of the National Registry of CPE Sponsor, CPE credits have been granted based on a 50-minute hour.


Code of Conduct

Registration, attendance, or participation at this event constitutes an agreement to adhere to the ICBA code of conduct and complaint policy. ICBA aims to be welcoming, safe, and inclusive to all participants, with the most varied and diverse backgrounds possible.

As such, the Independent Community Bankers of America (“ICBA” or the “Association”) has adopted a zero-tolerance policy toward all forms of unlawful discrimination and harassment.

Read Full Policy

Suitcasing Policy

Suitcasing is the act of soliciting business by non-exhibiting companies during the event or in other public spaces, including another company's booth, a convention center, or a hotel lobby. It is ICBA event management's objective to do everything legally possible to protect its exhibitors and community banker attendees from suitcasing.


Recording Disclaimer

Live courses are for educational purposes only and intended only for participants of the class/event. All rights are reserved by ICBA. No recording or distribution of the content is permitted unless expressly agreed to by ICBA.


Consent to User of Photos & Video Content

Registration, attendance, or participation in an ICBA event constitutes an agreement by the participant to ICBA’s use and distribution (both now and in the future) of the participant’s image and/or voice in photographs, videos, digital media, electronic reproductions, and audio files/recordings of and at such events and activities.


NASBA Statement

ICBA Education is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its web site: www.nasbaregistry.org.