Commercial Loans to Business

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) is the industry standard for giving commercial lenders the combination of skills and current information they need to make sound, well-informed loan decisions.

Updates to the program include enhanced usability, additional delivery options, and more streamlined and user-friendly content that reflects the latest business trends and risk drivers affecting commercial borrowers. These drivers include technology, globalization, operations and management. The new CLB focuses on high-value, high-impact competencies by emphasizing interpretation and analysis instead of mechanical calculations.

The core of the system is our 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 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 request. Participants learn that if they understand the true cause, they will be better able to understand the risks in lending to a company, structure a loan appropriately and anticipate the borrower’s needs.

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 the 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 lenders 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

Omega Performance offers flexible delivery options, including print self-study only with coaching, print self-study plus workshop, workshop only with minimal prework and online with print accompaniment. All of the content for Commercial Loans to Business is available online, including pre- and post-testing, online progress checks and online skill assessment corresponding to each module of content, with feedback and remediation links to relevant content.

Results You Can Expect

Commercial Loans to Business helps you and your lenders:

Develop a more profitable, lower-risk loan portfolio
Increase lending efficiency
Improve relationships with customers through a better understanding of their credit needs
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

The training has also proven effective for officers in international lending, regional loan administration, credit policy, business development and other departments that support the commercial lending function.

Prerequisites

Participants should have a solid grasp of accounting fundamentals. Omega Performance’s Credit Skills Assessment can help you determine if training in accounting is necessary.