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.
1:30 p.m. – 2:00 p.m.
2:00 p.m. – 5:00 p.m.
Five C’s of Credit
Regulations & Regulatory Agencies
Commercial Lending Products
Other Business Banking Services
The Credit Process Cycle
8:00 a.m.– 12:00 p.m.
Loan Underwriting & Analysis Basics
Review of Sample Tax Returns & Financials
Class Projects: 1-5 (as time allows) Appendix P1 – P5
12:00 p.m. – 1:00 p.m.
1:00 p.m. – 5:00 p.m.
Napkin Underwriting & Debt Schedule
Credit Analysis & Basics of the Loan Package
Business Financial Analysis
Personal Financial Analysis & Global Cash Flow
Case Study #1 – Patty’s Mailbox Money LLC. - Appendix 3C
Case Study #2 – Shirley’s Dental Inc. - Appendix 3D
Case Study #3 - Bob’s Lawn Maintenance Inc.- Appendix 3E
Extra Case Studies #1 and #2 - Included in PowerPoint
8:00 a.m. – 12:00 p.m.
Role of the Commercial Loan Officer & First Duties
Customer Pre-Work & Call Visit
Prospecting – Purpose and Strategies
Prospect Pre-Work & Sales Call
Other Lending Components
Study Questions Review
12:00 p.m. – 1:00 p.m.
1:00 p.m. – 5:00 p.m.
8:00 a.m. – 12:00 p.m.
12:00 p.m.– 1:00 p.m.
1:00 p.m. – 5:00 p.m.
8:00 a.m. – 12:00 p.m.
11:30 p.m.– 12:30 p.m.
12:30 p.m. – 5:30 p.m.
8:00 a.m. – 12:00 p.m.
10:00 a.m.-11:30 a.m.
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
ICBA Members: $2,299
Non-Members: $2,999
Non-Bankers: $3,999
Certification Testing Fee: $500
For more information, call 800-422-7285.
11237 Lone Eagle Dr.
St Louis, MO 63044
ICBA Room Rate: $149 until July 13, 2023
Hotel Housing Scam Warning: Only make your room reservation using the information provided by ICBA. Do not do business with any company that claims they are with ICBA or working for ICBA as the official housing service. Contact ICBA if you have any questions or concerns.
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 Live
CPE Credit Hours: 47
Certification Offered: Certified Commercial Loan Officer (CCLO)
President
Stevens Risk Management LLC
Community President
SouthState Bank
Gerrish Smith Tuck
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.
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