Course Summary
Credit Type:
Organization's ID:
4 days (28 hours)
Dates Offered:
Credit Recommendation & Competencies
Level Credits (SH) Subject
Lower-Division Baccalaureate 2 Business, Business Development, Of Financial Analysis


The course objective is to provide an opportunity for attendees to create, explore and design applications for integrating credit analysis, credit administration and business development concepts. The integration of these topics will establish the foundation for a successful commercial lending department within the attendee's credit union. Through group activities, class participation and instruction, participants are exposed to methods that take a commercial transaction request from relationship building and prospecting through the decision making process with the outcome being a well-managed commercial credit and commercial loan portfolio.The focus of this final year is synthesizing the various roles of business development, credit analysis, and credit administration which have been learned in Year 1 and Year 2 to now come together to apply skills and knowledge to contribute to managing a successful commercial loan department.

Learning Outcomes:

  • Initiate an integrated approach to the commercial lending process
  • Build systems, processes and reporting that lead to accurate monitoring
  • Establish key policies needed for regulatory compliance
  • Establish balanced outcomes for commercial loan origination, administration and organizational goals

General Topics:

  • Building a portfolio that meets the mission and risk tolerance of the credit union
  • Creating credit presentations that satisfy the program in its entirety
  • Managing expectations of risk and portfolio growth
  • Integrating a solid credit philosophy within the organization
  • Beyond loans - other products and services that are needed for businesses
  • Working with the credit administration department and underwriters for common goals
Instruction & Assessment

Instructional Strategies:

  • Audio Visual Materials
  • Case Studies
  • Classroom Exercise
  • Discussion
  • Lectures
  • Practical Exercises

Methods of Assessment:

  • Examinations

Minimum Passing Score:

Supplemental Materials