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"The programme and its simulation of credit scenarios are as real as they possibly can be in a training environment. Omega+ Commercial Lending is definitely a vast improvement over traditional eLearning suites that we see in the market, which are a lot of screen reading and answering multiple choice questions."

– Global Risk Trainer, Standard Chartered Bank

Omega +™ Commercial Lending

Try the Demo (registration required) See also: Omega+

Business Issue - Financial institutions are facing a changing commercial market. Competition is on the increase from banks and other institutions. Products and services for commercial clients need to be addressed on a consistent basis. In addition, the applicant pool for commercial lending positions has diversified and broadened, creating a strong need for highly targeted, flexible, and practical training. In this environment, you must ensure that lenders develop skills and knowledge in a consistent manner and are back on the job, applying them as quickly as possible, and increasing business results.

Omega Performance’s Solution -Omega+ Commercial Lending is an online learning experience that offers highly flexible, innovative training for your organization’s commercial credit staff. Accommodating a variety of learning styles and featuring simulated job tasks,

Omega+ Commercial Lending enables participants to tailor their learning experience by picking and choosing which skills they need to build. Omega+ Commercial Lending combines Omega Performance’s acclaimed Decision Strategy—a proven framework for investigating, analyzing, and interpreting borrower information—with revolutionary learning methods that enhance participants’ speed to performance back on the job.

Throughout the learning experience, participants demonstrate mastery of the material by completing a variety tasks. Examples of tasks include analyzing historical financial statements or performing sensitivity analysis of projected cash flow.

What Is Included

Omega+ Commercial Lending is an online set of task-based decision points and phases that correspond to the Decision Strategy, and can be taken in a variety of ways:

  • As remediation options, based on a diagnostic assessment of lending skills
  • As a comprehensive, competency-based lending skills course
  • As targeted instruction based on specific organizational objectives

Omega+ Commercial Lending includes the following five phases and corresponding decision points:

Preliminary Analysis covers understanding the credit opportunity and the business, identifying borrowing caused by sales growth, identifying borrowing caused by the operating cycle, and identifying borrowing caused by the capital investment cycle and other causes. 

Industry and Business Risk Analysis addresses evaluating industry risk, evaluating components of business risk, and evaluating company management and business strategy.

Financial Statement Analysis focuses on analyzing the income statement, evaluating assets, evaluating liabilities and equity, and assessing financial condition and performance.

Cash Flow Analysis and Projections covers calculating and interpreting quick cash flow, evaluating direct or UCA cash flow, interpreting analytical insights from the statement of cash flows, evaluating cash flow effect of change in sales, evaluating cash flow effect of change in turnovers, evaluating cash flow effect of change in profit margins and long-term investments, evaluating the non-financial drivers of cash flow, performing sensitivity analysis, and constructing and analyzing projections.

Loan Structuring addresses making the credit decision, determining loan support and pricing, and identifying conditions and creating credit agreements.

Omega+ Commercial Lending also includes pre- and post-testing, linkage to standard LMS tracking, print-based reference material (if desired), and the option of a comprehensive case study that can be taken at the end of the modules.  The comprehensive case encompasses individual decision points in an overall assessment of a specific client opportunity.  This case is reviewed according to Omega Performance subject matter expert standards.  The results and explanations are shared with the participant.

Delivery Options
Omega+ Commercial Lending is a highly interactive, online learning experience that can be accompanied by print reference material and followed up by a workshop. Alternatively, the individual phases, decision points, and mastery tests can be taken on their own.