Business Lending

Course

Credit Products for Small Businesses 

Description: Credit Products for Small Businesses teaches how to match credit products to small business clients” needs. This course also explains market and product knowledge necessary to be a resource for small business clients.

Audience: Bank personnel who are responsible for selling credit products to the small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts.

Learning Objectives: After completing this course, students will be able to:

  • Distinguish between product features and product benefits
  • Describe the features and benefits of:
    • lines of credit
    • term loans
    • business credit cards
    • letters of credit
    • SBA-guaranteed loans
  • Match small business credit products to client needs

Credit: AIB: 0; ICB: 0

Price:  CBA Member: $95.00  Nonmember: $130.00 

Fundamentals of Small Business Banking

Description: Fundamentals of Small Business Banking presents ways to build successful relationships with small business clients by gaining knowledge of the small business market. This course focuses on how small businesses have different needs at different stages of their operating and business cycles. This course provides the opportunity to learn these stages and apply learnings to meet the small business client’s needs..

Audience: Bank personnel who have had limited exposure to the small business market but are responsible for servicing or selling to small business customers.

Learning Objectives: After completing this course, students will be able to:

  • Identify common characteristics of small business markets
  • Describe different business legal structures
  • Identify common characteristics of small business markets
  • Match business products and services to business cycles
  • Compare the operating cycles of various business types
  • Identify the life stages of businesses
  • Match small business credit products to client needs

Credit: AIB: .25; ICB: 0

Price:  CBA Member: $95.00  Nonmember: $130.00

Introduction to Analyzing Financial Statements

Description: Introduction to Analyzing Financial Statements presents the tools needed to analyze financial statements with confidence. This course reviews the importance of analyzing financial statements in the small business lending process, and teaches the terms and steps associated with analyzing financial statements, including the income statement, the balance sheet and the cash flow statement. This course also provides a better picture of what is required in analyzing financial statements, and to know how to explain the interpretations of the financial information.

Audience: Bank personnel who are responsible for reviewing financial statements for the purpose of assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis.

Learning Objectives: After completing this course, students will be able to:

  • Define financial statement analysis and explain its importance in the small business lending process
  • List the basic steps of financial statement analysis and the purpose of each step
  • Analyze an income statement and balance sheet
  • Calculate and interpret key ratios
  • Perform a simple cash flow analysis

Credit: AIB: 0.25 ; ICB: 3.25 CLBB, CTFA (FP)

Price:  CBA Member: $95.00  Nonmember: $130.00

Overview of Financial Statements

Description: Overview of Financial Statements introduces students to small business financial statements. This course provides a solid foundation for understanding balance sheets, income statements, cash flow statements and tax return forms, and their typical uses in lending. Students will learn how each statement presents information about a business and contributes to meaningful conclusions about the health and stability of the business.

Audience: Bank personnel who are involved in any aspect of the small business lending process but who have little experience with financial statements.

Learning Objectives: After completing this course, students will be able to:

  • Describe the type of financial information used by lenders and how it is prepared
  • Explain how tax return forms provide important financial information
  • Define the purpose of the balance sheet, income statement and cash flow statement

Credit: AIB: 0.25; ICB: 5.0 CLBB, CTFA (FP)

Price:  CBA Member: $95.00  Nonmember: $130.00

Small Business Borrowing

Description: Small Business Borrowing provides insight of why the small business market is desirable to lenders and what small business owners expect from their financial service providers. The market knowledge section of the course discusses borrowing causes, loan purposes, and repayment sources. This course explains the importance of the small business borrowing knowledge necessary to be a resource for small business clients.

Audience: Bank personnel who are responsible for selling credit products to the small business customer and/or responsible for identifying sales opportunities and referring small business lending prospects to the appropriate bank contacts.

Learning Objectives: After completing this course, students will be able to:

  • Describe small business market characteristics
  • Identify borrowing causes, loan purposes, and repayment sources
  • Communicate approvals, counter-offers, and declines effectively

Credit: AIB: 0; ICB: 0

Price:  CBA Member: $95.00  Nonmember: $130.00