CSBS BAI Course Catalog

Commercial Banking

Commercial Lending

Commercial Banking: Capacity and Underwriting 15 minutes This course discusses the importance of conducting a cash flow analysis when assessing whether a borrower will be able to repay a loan. It also explains how to construct a cash flow analysis and interpret the cash flow statement. 15 minutes This course provides an overview of collateral and how it is used in the underwriting process, including the types of collateral that can be used for commercial loans and the information that is needed to verify collateral. 25 minutes This course provides an overview of the lending process, including how to answer consumer questions, what disclosures must be provided throughout the application timeline, and what common forms are needed for an application. This course also addresses the types of questions lenders can and cannot ask during the application process. This course includes: Reg B, TILA. 20 minutes This course provides an overview of the requirements and prohibitions of closing commercial loans. Regulations addressed in this course include the Equal Credit Opportunity Act (ECOA) and Truth in Lending Act (TILA). 25 minutes Intended for financial institution employees in a small business lending role, this course describes the characteristics and needs of small business borrowers, types of small business credit, and the opportunities and challenges for lenders. The course concludes with an overview of Regulation B and its requirements for fair lending. 30 minutes The loan origination process for small business lending requires documentation of key borrower information and completion and organization of all proper forms. This course surveys the basic borrower information, borrower financial information, and loan support documents that lenders must collect and analyze as part of loan origination. It also covers the distinction between borrowers and guarantors and summarizes fair lending requirements under Regulation B. The course is intended for all financial institution employees involved in a small business lending role, especially loan officers, loan auditors, credit analysts, and loan assistants. 30 minutes Intended for financial institution employees in a small business lending role, this course provides an overview of originating and servicing small business loans as well as introduces the solutions available to lenders when working with delinquent borrowers and problem loans. The course also describes the legal requirements and considerations when working with borrowers, specifically with respect to fair lending and the Fair Debt Collection Practices Act (FDCPA). Commercial Banking: Collateral and Underwriting Commercial Banking: Completing the Application Commercial Banking: Considerations at Closing Introduction to Small Business Lending Loan Origination for Small Business Lending Loan Servicing for Small Business Lending

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