Credit Analyst Training Part 1: Basic Small Business Lending

May 24, 2017 03:00pm -
May 24, 2017 04:30pm

Event Description

Post Great Recession underwriting is not the same as before.  As a small- to mid-sized community bank, underwriting commercial loans in compliance with today’s regulations is a challenge.  While regulators say the depth of analysis should be based on the complexity of the credit relationship, they are suggesting that the adequacy of underwriting includes evaluating financial risk, management risk, and business risk (which includes market risk).  This risk analysis should include current position and a forward-looking analysis of sustainability (including stress testing).  Lastly, the webinar will briefly touch on the fact that there must be an awareness of how new deals fit into the bank’s risk appetite by reviewing the potential impact on risk-based capital, loan loss reserve, concentration limits, and portfolio liquidity.

Part 1 of this series starts with basic small business lending and what credit analysts and underwriters need to know and document – including understanding and reading financial statements.  That said, a bank should strive for easy-to-use, timely processes.  Although procedures are to be risk-based, they may be streamlined based on perceived risk – but must have consistent application.


  • The lending function and foundation
    • Roles of lending personnel – loan officer, credit analyst, underwriter
    • Rules and regulatory guidelines, including safety and soundness requirements and Equal Credit Opportunity Act (Regulation B) signature requirements
    • Joint policy statement on lending to creditworthy small businesses
  • Small business lending process
    • Loan request, information gathering, verification, documentation, and decision making
    • Underwriting, including the OCC’s five keys to assessing underwriting and traditional C&I underwriting – the six Cs of credit
    • Streamlining the underwriting process for low-risk loans
  • Understanding and reading financial statements
    • Differences between financial statements and tax returns
    • Proper classification of assets and liabilities into a financial analysis model
    • Understanding cash flow statements and business financial statements
  • Identifying potential credit problems


  • Employee training log
  • Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.


This presentation is for beginning, intermediate, and advanced credit skill level staff, including credit analysts, commercial loan underwriters, commercial loan officers, loan review personnel, Loan Committee members, and credit risk management personnel.


If you are having issues with registering online, please contact CBAO's Education & Training Coordinator, Lianne Simeone, (614) 610-1877.

Event Type:Webinar &/or On-Demand Link/CD
Early registration ends on Apr 18, 2017.
Regular registration starts on Apr 19, 2017 and ends on May 24, 2017.
Late registration starts on May 25, 2017.
(GMT-05:00) Eastern Time (US & Canada)


Registration Fees
Fee TypeEarlyRegularLate
 Live Webinar
Member Fee: $265.00$265.00$290.00
Non-Member Fee: $400.00$400.00$425.00
 Additional Hookups
Member Fee: $175.00$175.00$175.00
Non-Member Fee: $260.00$260.00$260.00
 Recorded Webinar + Free Digital Download
Member Fee: $345.00$345.00$345.00
Non-Member Fee: $490.00$490.00$490.00
 Both Live Webinar and Recorded Webinar + Free Digital Download
Member Fee: $395.00$395.00$420.00
Non-Member Fee: $600.00$600.00$625.00