Commercial Lending Basics




This course will introduce the learner to skills and standards necessary to be a successful commercial lender. The course will familiarize the learner with aspects of commercial lending, such as the types of businesses, commercial loans, and collateral involved in commercial lending, in addition to common commercial loan products. After completing this program the learner will understand:

  • How to maintain confidentiality as a commercial lender.
  • How to analyze financial information as it relates to commercial lending. 
  • The various loan products offered to businesses.


T1. Commercial Lending Skills: This topic will define commercial lending, and offer information about important skills to succeeding as a commercial lender, such as product knowledge and sales ability.

T2. Commercial Lending Standards: This topic will emphasize the importance of the commercial lender position, particularly in aspects such as attendance, professionalism, compliance, accuracy, and service in person or on the phone.

T3. Handling Confidentiality: This topic will encourage the understanding of confidentiality as part of the professionalism of a commercial lender, with a focus on the security of customer and co-worker information.

T4. Types of Businesses: This topic will explain the definition of a business, the various types of businesses, and their applications in the world.

T5. Types of Commercial Loans: This topic will discuss the five types of commercial loans, including examples and real-world applications for commercial lenders.

T6. Types of Collateral: This topic will detail the various types of collateral, including endorser, real estate, savings, and more.

T7. Collateral is Secondary: This topic will explain the four reasons that a financial institution is reluctant to repossess collateral, with further information about additional requirements and bankruptcy.

T8. Financial Information Basics: This topic will introduce the learner to the process of analyzing financial information, including the examination of information provided on 1040s, personal statements, balance sheets, income statements, and more.

T9. Commercial Loan Products: This topic will expound upon additional loan products offered to businesses, such as working Lines of Credit, equipment financing, leases, and various loans, with examples for each.

Please note that any legal and compliance references in this course will pertain to US legislation.


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