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.
To earn the Certified Commercial Loan Officer (CCLO) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam(s). 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.
Learning Objectives:
Understand how the 5 Cs of credit (character; capacity/cash flow; capital; conditions; and collateral) are used to evaluate potential borrowers.
Review commercial lending products.
Gain a holistic view of the credit process cycle from the loan application to loan monitoring.
Understand credit risk.
Learn to identify potential compliance and legal challenges.
9:00 a.m. – 12:00 p.m.
Introductions
Five C’s of Credit
Character
Capacity / Cash Flow
Capital
Conditions
Collateral
Regulations & Regulatory Agencies
Commercial Lending Products
Term Loans /Lines of Credit / Bullet Loans
Commercial Real Estate Loans / Owner Occupied vs. Non Owner Occupied
Other Business Banking Services
The Credit Process Cycle
12:00 p.m. – 12:30 p.m.
12:30 p.m. – 5:00 p.m.
Role of the Commercial Loan Officer & First Duties
Customer Pre-Work & Call Visit
Prospect Pre-Work & Sales Call
Sales Stats 1-21
Red Ocean vs Blue Ocean Marketing Strategies
Creating Quality Warm Introductions
Other Components
Intro to Financial Analysis & Napkin Underwrites
9:00 am – 12:00 pm
Loan Underwriting & Analysis Basics
S Corporations
C Corporations
LLC’s
Partnerships
Sole Proprietorships
Review of Sample Tax Returns & Financials
Class Projects: 1-5 (as time allows) Appendix P1 – P5
12:00pm – 12:30pm
12:30 p.m. – 5:00 p.m.
Credit Analysis & Basics of the Loan Package
Business Financial Analysis
Personal Financial Analysis & Global Cash Flow
Case Studies
Study Questions Review
9:00 a.m. – 12:00 p.m.
Credit, Covenants, Collateral and Real Estate
12:00 p.m.–12:30 p.m.
12:30 p.m. - 5:30 p.m.
Compliance and Legal Issues
9:00 a.m. – 12:00 p.m.
Credit and Loan Management
12:00 p.m. – 12:30 p.m.
12:30 p.m. – 3:30 p.m
Case Study Preparation and Development
9:00 a.m. – 12:00 p.m.
Case Study Presentations
2:00 p.m. – 3:30 p.m.
Certification Exams - Held via ICBA online portal for those enrolled in CCLO certification program.
Note - If you do not pass exam(s), you will have the opportunity to retake the exam(s) at a future, quarterly re-take date. More information will be provided upon registration.
9:00 a.m. – 12:00 p.m.
12:00 p.m. – 12:30 p.m.
12:30 p.m. – 5:00 p.m.
ICBA Members: $2,299
Non-members: $2,999
Non-banker: $3,999
Certification Testing Fee: $500
For more information, call 800-422-7285.
Upon registration you will receive an email from ICBA confirming your registration, the dates of the event and a calendar invitation for the event. Approximately 1-2 weeks prior to the event start date, you will receive an email from an ICBA representative containing detailed information including event times and the meeting link.
Who should attend: All community bank personnel with commercial lending responsibilities
Prerequisites: Basic knowledge of credit issues
Advanced Preparation: None
Program Level: Intermediate
Field of Study: Specialized Knowledge
Delivery Method: Group Internet Based
CPE Credit Hours: 47
Certification Offered: Certified Commercial Loan Officer (CCLO)
Community President
SouthState Bank
Gerrish Smith Tuck
President
Stevens Risk Management LLC
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.
Suitcasing is the act of soliciting business by non-exhibiting companies in the 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.
