Evaluating & Structuring Commercial Loans

Evaluating & Structuring Commercial Loans


Member Online Enrollment | Non-Member Online Enrollment
Summary Document of all Course Content  pdf

Competition to make commercial loans is fierce, and qualified commercial lenders are critical to your bank’s success.  Strong underwriting and analysis skills can help make the difference between banks that can capitalize on these new opportunities, and ones that don’t.

This new online curriculum will familiarize lenders with both audited and unaudited statements, and fill any gaps in their understanding of credit analysis.  Pre and post-tests allow seasoned lenders to test out, and more importantly, let the industry know they are “credit trained” and ready to bring in new, qualified business.  Students who successfully complete all five levels will receive the new ABA Certificate in Commercial Lending,

Price $600 Members / $875 Non-members – all 5 Levels
Levels listed below may be purchased individually – click links for pricing
License Option Courses are also available at discounted prices under an annual license.  
Course Credits ABA: 2.5
ICB: 40.25 CLBB  
Prerequisites None
Required Software None
Optional Software Adobe Acrobat Reader and RealPlayer

Audience:  Commercial and/or Business bankers and Credit Analysts.

The curricula included in the Evaluating and Structuring Commercial Loans: A Decision Tree Approach Curriculum are:

The remainder of the courses will be linked as content is available online.

Level 1: Understanding Business Borrowers 


  • Business Sectors and Operating Cycles
  • Why Businesses Borrow
  • Business Legal Structures and Life Cycles
  • Introduction to Business Financial Statements
  • How Business Financial Statements are Constructed (Accounting Refresher)
Level 2: Analyzing Business Financial Statements and Tax Returns 


  • Income Statement Analysis
  • Balance Sheet Analysis
  • Ratio Analysis
  • Cash Flow Analysis
  • The UCA Model
  • Cash Budgets and Pro Forma Statements
Level 3: Analyzing Personal Financial Statements and Tax Returns 


  • Types of Personal Financial Statements
  • Key Ratios and Adjusted Net Worth
  • Personal Tax Returns and Cash Flow
  • Combining Business and Personal Cash Flow into Global Cash Flow
Level 4: Qualitative Analysis and Determining a Credit Risk Rating 


  • The Commercial Lending Process and Initial Business Development Calls
  • Credit Investigation and Assessing Industry, Market and Management Risk
  • Loan Policies and Procedures, Including Credit Risk Ratings
  • Loan Packages and Credit Write-Ups
Level 5: Loan Structuring, Documentation, Pricing and Problem Loans 


  • Commercial Loan Structuring
  • Identifying Viable Secondary and Tertiary Sources of Repayment
  • Key Documents, Loan Agreements and Covenants
  • Loan Pricing and Negotiating 
  • Problem Loans

Licenses are available for the entire curriculum or for a combination of course levels to best suit your bank’s needs and training budget.

The Nebraska Bankers Association is a Local ABA Training Provider.

For More Information Contact:

Joanne Smith
Education and Member Information Coordinator


Nebraska Bankers Association / 233 South 13th Street, Suite 700 / PO Box 80008 / Lincoln, NE 68501-0008