CSBS BAI Course Catalog
Lending Operations
Credit Risk Management: Underwriting Quality 45 minutes A key component of an institution's credit risk management is quality of underwriting. Aimed at loan officers, loan reviewers, credit analysts, credit administrators, and risk managers, this course explores the facets of underwriting quality and how they integrate with an institution's overall credit risk management. Topics covered include establishing a strong credit culture, ensuring appropriate risk selection, characteristics of a strong credit analysis function, and the content of credit memoranda. 20 minutes Aimed at loan reviewers, this course describes the purpose and use of credit risk rating systems. Topics covered include who assigns risk ratings, the categories of risk ratings and their definitions, and what loan reviewers need to consider when they recommend downgrading a credit's risk rating. 15 minutes Aimed at loan officers, loan reviewers, and management teams, this course offers a brief introduction to the CECL accounting standard for estimating potential credit losses on a financial institution's lending activities. The course describes the purpose of CECL, compares it conceptually with the allowance for loan and lease losses (ALLL) method, and surveys implementation issues and challenges institutions need to consider. 20 minutes Loan review is a regulatory requirement and integral to any financial institutions credit risk management strategy. This course provides loan reviewers, risk managers, and management teams with an introduction to the loan review function. Topics covered include the purpose and benefits of loan review and the structure and elements of a typical loan review process. 45 minutes Designed for both online and classroom settings, this Jeopardy-like game in intended for loan officers and other lending personnel to test their ability to apply regulatory knowledge on-the-job through a series of scenario based questions on various regulatory topics, including Reg Z, fair lending, appraisals, flood insurance, and more. 25 minutes In loan documentation, the process of perfection protects your right to the collateral from other claims, which is critical to the loan. In this course, you will learn how to perfect a security interest and avoid common mistakes in the perfection process. 25 minutes Compiling supporting documents for collateral is critical for loan documentation. In this course, you will learn how to gather the most common supporting documents for a loan, which are guarantees, subordination agreements, and landlord waivers. 30 minutes Loan reviewers must be able to evaluate a borrower's capacity to repay debt. This course examines repayment and collateral considerations for credit review, including the importance of understanding the credit background and techniques for analyzing repayment capacity. This course also looks at issues associated with collateral type and guarantor support. Introduction to Credit Risk Ratings Introduction to Current Expected Credit Losses (CECL) Introduction to Loan Review Lender Game Show Loan Documentation: Perfecting Collateral Loan Documentation: Supporting Documents for Ensuring Collateral Rights Loan Review: Repayment and Collateral Considerations
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