ABA Certificate in Commercial Lending
The ABA Certificate in Commercial Lending provides an in-depth look at the commercial lending process and the related financial analysis of a borrower. This curriculum addresses a mix of qualitative and quantitative underwriting and analysis skills.  It will familiarize lenders with both audited and unaudited statements, and fill any gaps in their understanding of credit analysis.  It includes in-depth readings, a comprehensive glossary of terms and job aids that are valuable references to download and print for reference throughout the series of courses and back on the job. 

The curriculum has pre and post-tests that allow seasoned lenders to test out of content areas with which they are familiar, and provides a more efficient learning experience. More importantly, the ABA Certificate in Business and Commercial granted at the completion of this curriculum lets the industry know learners are "credit trained" and ready to bring in new, qualified business.

This curriculum focuses on commercial and industrial lending (C&I), and excludes commercial real estate or investment properties.

Required Courses

You must complete the following courses:
  • Level 1: Understanding Business Borrowers
  • Level 2: Analyzing Business Financial Statements and Tax Returns
  • Level 3: Analyzing Personal Financial Statements and Tax Returns
  • Level 4: Qualitative Analysis and Determining a Credit Risk Rating
  • Level 5: Loan Structuring, Documentation, Pricing and Problem Loans
The estimated time to complete these 5 courses is approximately 33 hours. Students have access to the curriculum for one year from date of purchase.

For the ABA Business Banking & Commercial Lending Diploma, the ABA Certificate in Commercial Lending is an equivalent of completing Analyzing Financial Statements and Commercial Lending, in the facilitated online format.

Click here for more information and to purchase all the required courses at a discounted price (you do not need to log in to browse the catalog - click on "Members Only Catalog and Pricing" to search for courses).

Questions? Please contact Chris Harrison at chrish@minnbankers.com or 952-857-2634 for more information.