Commercial Lending Institute Information

Lending Square

Jan 28, 2024


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.

Monday, August 16

9:00 a.m. – 12:00 p.m.

Commercial Lending Introduction

  • Commercial loans compared to Residential and Consumer loans
  • The Five C’s of Credit
  • Regulations & Regulatory Agencies
  • Types of Commercial loans
  • Bank / non-bank competitors and other 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

12:00 p.m. – 12:30 p.m.


12:30 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 Building and earning trust
  • Follow up and best practices
  • Prospecting and building new clients for the bank
  • Sales Training
Tuesday, August 17

9:00 a.m.– 12:00 p.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

12:00 p.m. – 12:30 p.m.


12:30 p.m. – 5:00 p.m.

Credit Analysis & Building Loan Package

  • Basics and structure of a loan request
  • Key facts for customer, industry, strengths & weaknesses
  • Business financial analysis
  • Guarantor financial analysis
  • Do’s and Don’ts of a loan write-up
  • Personal Financial Analysis and Global Cash Flow
  • Group case studies on loan requests
Wednesday, August 18

9:00 a.m. – 12:00 p.m.


  • Recap of Key Credit Concepts
  • Understanding Credit Risk
  • Types of Credit Facilities and Borrowing Causes

12:00 p.m. – 12:30 p.m.


12:30 p.m. – 5:00 p.m.

Credit Analysis

  • Core Cash Drivers
  • Cash To Cash Cycle
  • Sensitivity Analysis
  • UCA Cash Flow Analysis
  • Manufacturing and Wholesale Case Study
Monday, August 23

9:00 a.m. – 12:00 p.m.

Credit, Covenants, Collateral and Real Estate

  • Assessing Credit Structure
  • Monitoring the Credit- Covenants and Collateral
  • Real Estate Assessment

12:00 p.m.–12:30 p.m.


12:30 p.m. – 5:30 p.m.

Compliance and Legal Issues

  • Overview of Basic Legal Concepts Process
  • Navigating the Legal & Administrative Process
  • Contracts / Loan Documents
  • Lender Liability
  • Borrower Characteristics
  • Loan Process & Collateral
  • Loan Participations
  • Regulatory Issues & Examples
Tuesday, August 24

9:00 a.m. – 12:00 p.m.

Credit and Loan Management

  • Credit Quality Management
  • Problem Loan Management

12:00 p.m. – 12:30 p.m.


12:30 p.m. – 3:00 p.m.

Case Study Preparation and Development

Wednesday, August 25

9:00 a.m. – 11:30a.m.

Case Study Presentations

2:00 p.m. – 3:30 p.m.

Certification Exam

ICBA Member: $1,995 (with testing fee $2,145)
$2,595 (with testing fee $2,845)
$3,495 (with testing fee $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; (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

Community President

CenterState Bank

Doc Bodine

Gerrish Smith Tuck

Brad Stevens

Stevens Risk Management LLC

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.