Commercial Loans to Business Online

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Business Issue - As business becomes more competitive and risk increases, so does the need for lenders who can identify and assess these risks. Whatever the point in a business cycle, it is imperative that lenders work from a solid foundation in commercial lending skills.

Omega Performance’s Solution - Commercial Loans to Business (CLB) Online not only provides commercial lenders with the skills and information they need to make sound, well-informed loan decisions, it also significantly reduces training time and travel costs. With CLB Online, financial services companies can train one lender at a time or the entire organization instantly. Learning time is reduced through a task-focused presentation of materials and assessments can be delivered on individualized schedules. Travel costs are eliminated by simply accessing the Web-based solution with the click of a mouse and assessments can be delivered to remote sites easily. CLB Online also gives lenders greater flexibility when it comes to training time—the solution is accessible 24 hours a day, seven days a week. If any course-related questions arise, a mentor is available online to assist participants.

Additionally, CLB Online includes enhanced usability and user-friendly content that reflects the latest business trends and risk drivers affecting commercial borrowers. (These include technology, globalization, operations and management.) The new CLB Online focuses on high-value, high-impact competencies by emphasizing interpretation and analysis instead of mechanical calculations.

The core of the system is Omega Performance’s exclusive Decision Strategy,™ a step-by-step process for investigating, analyzing and interpreting borrower information—including all aspects of risk analysis, financial statement analysis, cash flow analysis and loan structure.

What Is Included

Commercial Loans to Business Online includes the following modules, each of which covers an important facet of the commercial lending decision process:

Opportunity Assessment includes an introduction to commercial lending and the asset conversion cycle, and provides a framework for comprehensive risk analysis.

Borrowing Causes teaches participants to probe into the real reasons behind a borrower’s loan requests. Participants learn that by understanding the true cause, they can anticipate the borrower’s needs, be better able to understand the risks in lending to a company and structure a loan appropriately.

Industry Risk Analysis addresses changes in the environment in which the borrower operates by examining the economic, market, demographic and other forces that are generally outside the borrower’s or lender’s control.

Business Risk Analysis helps participants analyze how well a borrower’s management team is dealing with the risks inherent in the industry.

Financial Statement Analysis teaches participants how to interpret financial statements as a reflection of the entire range of a company’s operations, from sales and distribution to purchasing.

Cash Flow Analysis describes how participants can cancel the effects of accrual accounting to see a company’s cash dynamics—its cash inflows and outflows—as an important component of repayment source analysis.

Projections teaches participants to integrate their historical industry, business and financial statement analysis information into a forecast of future cash flow available for loan repayment.

Loan Structuring helps participants decide how and under what conditions they would be willing to lend money to the customer.

Delivery Options

CLB Online includes interactive modules with practice exercises, case-based progress checks with feedback and remediation links to relevant content, printable job aids and live worksheets. Additionally, access to an online mentor ensures attainment of learning objectives. Call or email today for more information and a demonstration of CLB Online.

Results You Can Expect

Commercial Loans to Business Online helps you and your lenders:

Develop a more profitable, lower-risk loan portfolio
Reduce training time
Increase lending efficiency
Eliminate travel costs
Improve relationships with customers through a better understanding of their credit needs
Have more flexibility in delivering high quality training
Create a common vocabulary and lending process throughout the organization

Who Should Be Trained

Entry-level and mid-career commercial lenders
Entry-level and mid-career credit analysts
Credit administration staff
Loan review staff
Management trainees

Prerequisites

Participants should have a solid grasp of accounting fundamentals. Our Online Credit Skills Assessment can help you determine if training in accounting is necessary.