CSBS BAI Course Catalog

Loan Documentation

Loan Documentation: Completing and Enforcing the Note 30 minutes In commercial lending, the note is the contractual agreement between the borrower and the lender. Accurate and complete documentation is critical to the lending process, and enforcement of the note depends upon it. This course provides basic information about properly completing and enforcing a note. 30 minutes In the commercial loan process, establishing the borrower and the capacity to borrow is a critical first step. This course describes how to identify the legal entity taking the loan as well as the signers who have the legal authority to commit the organization to the loan. It also covers how to establish the capacity to borrow for different types of borrowers and the required documentation for each type. 30 minutes This course looks at issues of effective risk analysis for small business lending. Topics covered include nonfinancial aspects of credit analysis; risk scoring, including the challenges and benefits of automated risk scoring methods; and risk associated with SBA lending. The course is intended primarily for employees in lending or credit functions who need a basic knowledge of risk analysis for small business lending. In addition, managers involved in strategic direction-setting will find this course's discussion of the challenges and opportunities of automated risk analysis useful. 45 minutes Enterprise risk management (ERM) provides a framework and systems for financial institutions to manage–on an enterprise-wide basis–the financial, operational, event, and strategic risks they face. Aimed at staff with risk management responsibilities throughout the institution, this course coves the goals of ERM, categories of risk it addresses, and considerations for designing and implementing an ERM program. Throughout, the course connects principles of ERM to the loan review function and its particular importance in providing information and insight on credit risk. Loan Documentation: Establishing Borrowers and Capacity to Borrow Risk Management Assessing and Minimizing Risk for Small Business Lending Enterprise Risk Management and Loan Review

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