Commercial Lending Virtual Institute

August 17-19 & 24-26, 2020

The institute will be split into two weeks for the virtual format August 17-19 and August 24-26 (you must attend all dates).

If you decide to enroll in the certification testing after you register for the class, please contact a Community Banker University representative at 800-422-7285.

Develop the necessary credit skills to maintain and manage a commercial credit portfolio. This program covers the analytical processes needed to be an effective Commercial Lender.

Print Registration Form

Class and Certification Exams

Earn your Certified Commercial Loan Officer (CCLO) designation.


Class Attendance Only

Ideal for those who wish to earn continuing education credits and those interested in further developing their professional skillset.



All times noted are in Central Time. // Noon - 12:30p.m. - Break for Lunch Each Day

Week One

Monday, August 17

9:00a.m. - 5:00p.m.  
  • Commercial Loans Compared to Residential and Consumer Loans
  • The Five C’s of Credit
  • Regulations & Regulatory Agencies
  • Types of Commercial Loans
  • Bank and Non-Bank Competitors and Commercial Products
  • The Role of the Commercial Relationship Manager
  • The Credit Process Cycle: Application > Loan Officer Analysis > Credit Approval Form >  Underwriting/Analysis >Approval Process > Closing >Monitoring 
  • Bank Customers and YOUR Customers
  • Visiting Existing Clients
  • Rapport Building and Earning Trust
  • Follow up and Best Practices
  • Prospecting and Building New Clients  
  • Sales Training

Week One

Tuesday, August 18

9:00a.m. - 5:00p.m.
Loan Officer Underwriting & Analysis Basics
  • Business Tax Return Review ( C Corp, Sub S, LLC & Schedule C)
  • Loan Officer’s Quick Underwrite
  • Financial Spreads, Review & Case Studies
Credit Analysis & Building the Loan Package
  • Basics and Structure of a Loan Request
  • Key facts for Customer, Industry, Strengths & Weaknesses
  • Business Financial Analysis
  • Guarantor Financial Analysis
  • Dos and Don'ts of a Loan Write-up
  • Personal Financial Analysis and Global Cash Flow
  • Group Case Studies on Loan Requests

Week One

Wednesday, August 19

  • Intro
  • Recap of Key Credit Concepts
  • Understanding Credit Risk
  • Types of Credit Facilities and Borrowing Causes
  • Core Cash Drivers
  • Cash To Cash Cycle
  • Sensitivity Analysis
  • UCA Cash Flow Analysis
  • Manufacturing and Wholesale Case Study

Week Two

Monday, August 24

9:00a.m. - 5:30p.m. (5:00-5:30 p.m. review for certification test takers)                         
  • Assessing Credit Structure
  • Monitoring the Credit- Covenants and Collateral
  • Real Estate Assessment
Compliance and Legal Issues
  • Loan Documentation
  • Lender Liability
  • Regulatory
  • Hot Topics
  • Bank Troubles and Issues (examples)
  • Review

Week Two

Tuesday, August 25

9:00a.m. - 3:00p.m.          
  • Credit Quality Management
  • Problem Loan Management
  • Case Study Preparation and Development

Week Two

Wednesday, August 26

9:00a.m. - 11:30a.m.
Case Study Presentations
2:00p.m. - 3:30p.m.

Full Pricing

ICBA Nonmember


  • With Testing Fee: $2,845
  • Certification Testing Fee: $250
  • CPE Credits:47
Register With Exam
Register Class Only

ICBA Member


  • With Testing Fee: $2,145
  • Certification Testing Fee: $150
  • CPE Credits:47
Register With Exam
Register Class Only



  • With Testing Fee: $3,745
  • Certification Testing Fee: $250
  • CPE Credits:47
Register With Exam
Register Class Only

More Information

Who should attend:
Individuals who are currently in a commercial lending role and looking to refresh or gain additional skills and those who are assuming commercial lending responsibilities. Prior cash flow analysis and financial statement analysis training is helpful.

No previous experience and training necessary.

CPE Earned:

Program Level: 

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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.