Commercial Lending Institute - In Person

Lending Square

Aug 21 - Aug 26, 2022

Commercial Lending Institute - In Person

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. 21

1:30 p.m. – 2:00 p.m.

2:00 p.m. – 5:00 p.m.
  • Commercial Loans Compared to Residential and Consumer Loans
  • The 5 C's of Credit
  • Consumer Financial Protection Bureau, State and FDIC Rules and Exams
  • Types of Commercial Loans
  • Bank and Non-Bank Competitors and Products
  • Other Business Banking Services
  • The Role of the Commercial Loan Officer/Relationship Manager
  • The Credit Process Cycle: Application, Underwriting, Analysis, Decision, Closing, Monitoring
Monday, Aug. 22

8:00 a.m.– Noon

Noon – 1:00 p.m.

1:00 p.m. – 5:00 p.m.
Congratulations! You’re Our New Commercial Loan Officer
  • Bank Customers and YOUR Customers
  • Visiting Existing Bank Clients and Pre-work
  • Rapport
  • Follow up and Best Practices
  • Prospecting and Building New Clients
Loan Underwriting & Analysis Basics
  • Business Tax Return Review (C Corp., Sub S, LLC & Schedule C)
  • Commercial Loan Officer’s Quick Underwrite
  • Financial Spreads, Review, and Case Study
Tuesday, Aug. 23

9:00 a.m. – Noon

Noon – 1:00 p.m.

1:00 p.m. – 5:00 p.m.
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

Group Case Studies on Loan Requests
Wednesday, Aug. 24

8:00 a.m. – Noon

Noon –1:00 p.m.

1:00 p.m. – 5:00 p.m.
• Collateral Pricing
• Loan Covenant
• Commitment Letters
• Loan Management & Monitoring
Thursday, Aug. 25

8:00 a.m. – Noon

Noon –1:00 p.m.

1:00 p.m. – 5:00 p.m.
Legal Issues
  • Loan Documentation
  • Lender Liability
  • Regulatory Hot Topics
  • Bank Troubles and Issues (examples)
Case Study Presentation


Friday, Aug. 26

8:00 a.m. – Noon
Monday, August 29

10:00 a.m.-11:30 p.m.
Certification Exam - Held via ICBA online portal for those enrolled in CCLO certification program

ICBA Member: $1,995 (with testing fee $2,195)
$2,595 (with testing fee $2,895)
$3,495 (with testing fee $3,895)

Certification Testing Fees:
ICBA Member: $200
Non-Member: $300
Non-Banker: $400

NOTE: Full payment is required prior to attendance. For more information call 800-422-7285.

The Commercial Lending Institute will be held at the:

Embassy Suites by Hilton Minneapolis Airport Hotel

7901 34th Ave S.

Bloomington MN 55425


If making your reservation by phone, mention the ICBA group name and code: ICBA Commercial Lending Institute/Group Code: CLD to secure the ICBA preferred room rate of $164. ICBA’s room block expires after July 30, 2022.


Commercial Lending Certification (CCLO)

CBU_0710A19_Certification eBadging Icons_CCLO

Designation: Certified Commercial Loan Officer (CCLO)

Requirement: Commercial Lending Institute; (15) 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
Bob Page

Community President

SouthState Bank

Doc Bodine
Doc Bodine

Gerrish Smith Tuck

brad stevens
Brad Stevens

Stevens Risk Management LLC

Who Should Attend: All community bank personnel with commercial lending responsibilities      
Prerequisites: Basic knowledge of credit issues
Advanced Preparation: Recommended - Complete complimentary online course sent upon registration
Program Level: Intermediate 
Field of Study: Specialized Knowledge

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 once the bank has received event materials or 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.