CSBS BAI Course Catalog

Underwriting Consumer Loans 60 minutes This course, designed for front-line personnel, discusses the four 'Cs' of credit and the three primary sources of credit verification. It also outlines three basic sources of collateral verification and the most important characteristics to analyze when making the credit decision. Finally, it describes credit scoring systems and how they are used, and describes events that trigger the notification requirements of the ECOA. Cash Flow Analysis 90 minutes In this course, intended for all credit analysts and loan personnel, especially loan trainees, loan analysts, and experienced commercial lenders, you will learn how to work with accrual-based financial statements, the basic mechanics of cash flow analysis, how to construct a cash flow statement, and how to apply cash flow analysis. 90 minutes In this course, intended for all credit analysts and loan personnel, especially loan trainees, loan analysts, and experienced commercial lenders, you will learn the five key checkpoints for interpreting the cash flow state ment, how to analyze specific sources and uses of cash, how to use your cash flow analysis worksheet to make better loan decisions, and how this process works with a cash flow statement. 90 minutes This course, intended for commercial lenders, loan trainees, loan analysts, and any personnel dealing with balance sheets and income statements, addresses the basics of commercial lending, the definition of cash flow, the importance of cash flow analysis, the differences between cash-based and accrual-based accounting, and financial accounting skills. Cash Flow Analysis: Constructing the Cash Flow Statement Cash Flow Analysis: Interpreting the Cash Flow Statement Cash Flow Analysis: Introduction and Accounting Review Commercial Lending: An Introduction 60 minutes In this course, intended for all personnel who are new to commercial lending, you will learn how to determine the process and documentation required of a loan application, identify the types of commercial loans available, recognize the fundamentals of credit analysis, and indicate how to close a commercial loan. 25 minutes This course provides an overview of common borrower concerns throughout the account servicing process and identifies how to resolve these issues, including how to deal with difficult consumers and handle consumer disputes. 25 minutes This course addresses the key components to treating consumers fairly from pre-application to closing, including what information cannot be considered while underwriting a commercial loan and which actions or practices may be unfair, deceptive or abusive. Commercial Lending: UDAAP and Addressing Borrower Complaints Commercial Lending: UDAAP, Reg B, and Other Fair Lending Issues Commercial Lending

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