Commercial Lending Institute

Lending Square

Aug. 22 - Aug 27

Prices Start At $2,145*

ICBA's Commercial Lending Institute teaches you to efficiently identify and analyze opportunities, assess, and mitigate risks, and structure and manage commercial loans.

Leave the institute with new insights that will ensure you are prepared to build strong relationships and conduct credit-focused, high-value conversations with commercial clients.


All times stated are Central Time.

Sunday, Aug. 22

1:30 p.m. – 2:00 p.m.

  • Registration

2:00 p.m.– 5:00 p.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
Monday, Aug. 23

8:00 a.m. – 5:00 p.m.

  • 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
  • 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
Tuesday, Aug. 24

8:00 a.m.– 5:00 p.m.     

  • Certification Exam
  • 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
  • Business Financial Analysis
  • Dos and Don'ts of a Loan Write-up
  • Personal Financial Analysis and Global Cash Flow
  • Group Case Studies on Loan Requests
  • Recap of Key Credit Concepts
Wednesday, Aug. 25

8:00 a.m.– 5:30 p.m.  

  • 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
  • Assessing Credit Structure
Thursday, Aug. 26

8:00 a.m.–5:30 p.m.  

  • Monitoring the Credit- Covenants and Collateral
  • Real Estate Assessment
  • Credit Quality Management
  • Problem Loan Management
  • Compliance and Legal Issues
  • Loan Documentation
  • Lender Liability
  • Regulatory
  • Hot Topics
  • Bank Troubles and Issues (examples)
  • (5:00-5:30 p.m. review for certification test takers)
Friday, Aug. 27

8:00 a.m. - 12:00 p.m.

  • Certification Exam
  • Final Case Study Preparation
  • Case Study Presentations

ICBA Member: $2,145
Nonmember: $2,845
Non-banker: $3,745

Certification Testing Fees:
ICBA Member: $150
Nonmember: $250

NOTE: Registration fee is valid for one connection, only for the individual registered. For more information, call 800-422-7285.


Commercial Lending Certification (CCLO)

CBU_0710A19_Certification eBadging Icons_CCLO

Designation: Certified Commercial Loan Officer (CCLO)

Requirement: Commercial Lending Institute; (30) Continuing Professional Education credits required every two years.

Loans are the most significant risk in most bank portfolios. This program assists in developing the necessary credit skills to maintain and manage a commercial credit portfolio as well as the analytical processes needed to reach a conclusion about the borrower's repayment ability. 

Bob Page

Community President

CenterState Bank

Doc Bodine

Gerrish Smith Tuck

Brad Stevens

Stevens Risk Management LLC

Location to be announced. In the event, we are unable to host this Institute in person the Commercial Lending Institute will be held via live-stream, over two weeks Oct. 18-20 and Oct. 25-27, 2021.

Program Level: Intermediate

Prerequisites: No previous experience and training necessary.
Delivery Method: Group-Live
Printable Registration Form

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. A substitute registration will be accepted. No refunds will be issued after the event start date.

Attendance at all ICBA programs will be considered on a first come, first served basis. If the program is cancelled, ICBA’s liability is limited to the registration fee. For additional questions contact ICBA at 800-422-7285.

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.

This live digital course is 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.