Commercial Lending

Commercial Lending


This newly updated course provides the knowledge and skills required to identify the credit needs of various types of business customers and to sell a “Total Banking” relationship. It covers both the technical side of commercial lending and the interpersonal skills required to be a successful loan officer.

Member Online Enrollment | Non-Member Online Enrollment

Price* $550 NBA or ABA Members/$675 Non-Members with eBook only
$575 NBA or ABA Members/$700 Non-Members with eBook and printed text
A shipping/handling fee is added to ABA Online Courses with textbooks. State sales tax applies to the text  only.
 Course Length  12 Weeks
Course Credits ACE: See below
Instructional Hours 45
Prerequisites Students should take Analyzing Financial Statements prior to this course, or have equivalent work experience
Required Software Technical Requirements
Textbook Commercial Lending: A Decision Tree Approach, Part 2, 2013, ABA


Commercial and/or business bankers and credit analysts.


This ABA course covers qualitative analysis and how to assess industry risk, market risk and management risk. It also provides an understanding of the role of loan policy and the need to summarize the borrower’s various risks into an appropriate credit risk rating.  In addition, it provides guidance on loan structuring and documentation issues in response to the analysis of quantitative and qualitative risks. This includes an overview of key documents, loan agreements and covenants, as well as negotiating and pricing. The course concludes with an introduction to problem loans.

Learning Objectives

After successfully completing this course, you will be able to:

  • Recognize the process and types of information business bankers should acquire during a business development call
  • Explain the importance of a credit investigation and describe what it entails
  • Identify industry, market, and management risks that can affect a borrower
  • Identify the key elements of a credit risk rating
  • Describe the loan review process as an independent validation of risk ratings and other commercial lending issues
  • Identify borrowing structures and describe their advantages
  • Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value
  • Describe the loan documentation process and requirements
  • Identify and explain the loan negotiation process
  • Identify the costs and causes of problem loans
  • Explain the steps in resolving a problem loan

ACE College Credit Recommendation

Pending Evaluation.

* Registration for one or more courses that include accompanying textbooks will also incur a shipping & handling fee.

Proctored Examination Required
This course requires proctored exams. You will need to identify a person from your institution who will proctor your exams during business hours, Monday – Friday between 9 a.m. and 5 p.m., Eastern USA Time. This person should be your Human Resources Training Manager, supervisor, or someone from the management team of your organization. Make sure to arrange your proctor well in advance of your exam date.

If you do not work with an institution, you will need to contact a university/college, library, or a testing center to request they proctor your exam. You will be asked to provide the telephone number of your proctor in case we need to reach that person for verification. A relative or friend cannot proctor an exam. All parties must abide by the ABA exam policy. There are no exceptions.​​​​​​​​​​

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