Commercial Real Estate Lending Decision Process Curriculum

Commercial real estate (CRE) lending requires a specific skillset built on a deep understanding of the industry and market forces. Learn how to make sound CRE-lending decisions with our 13-course curriculum of self-directed online courses.

Commercial Real Estate Lending Decision Process – Full Curriculum

Learn how to analyze financial statements in order to assess a company’s creditworthiness.

(13 courses, includes Construction and Homebuilder Lending)
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Member: $749
Non-member: $1,359

Estimated Completion Time:

3 - 4 Hours

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Accounting and Financial Statements Refresher

Learn how to analyze financial statements in order to assess a company’s creditworthiness.

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Upon completion of this course, learners will be able to:  

  • Explain how key accounting principles and concepts govern the construction of financial statements
  • Identify the format and content of financial information presented in the four basic financial statements
  • Identify common disclosures included in the footnotes to the financial statements
  • Explain how transactions have a dual effect on the accounting equation
  • Explain the relationship between the matching principle and adjusting process
  • Identify and describe the nine steps of the accounting cycle
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Member: $249
Non-member: $449

Estimated Completion Time:

3.5 Hours

Commercial Real Estate Lending Decision Process – Core Curriculum

(11 courses, excludes Construction and Homebuilder Lending)

Learn how to analyze financial statements in order to assess a company’s creditworthiness.

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Member: $699
Non-member: $1,259

Estimated Completion Time:

3 - 4 Hours

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Commercial Real Estate Lending Decision Process – Underwriting Bundle

Learn how to analyze financial statements in order to assess a company’s creditworthiness.

(All 3 Underwriting courses)
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Member: $539
Non-member: $299

Estimated Completion Time:

3 - 4 Hours

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CRE Lending Overview

Learn how to analyze and evaluate your borrower’s market condition and management experience.

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Given that learners will already have experience with C&I lending, this short course will compare C&I and CRE lending. Learners will:  

  • Choose appropriately between C&I and CRE loans and the analysis framework
  • Match loan need and CRE loan type
  • Identify the loan’s purpose and related use of funds, types of property and collateral, and ultimate repayment source

 

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Member: $75
Non-member: $135

Estimated Completion Time:

0.5 Hours

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Risk Areas

Develop the skills to evaluate the strength of a balance sheet through liquidity analysis.

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Using scenarios, learners will:  

  • Identify key risks
  • Answer three questions about the property
  • Explain the steps that analyze and mitigate risks
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Member: $199
Non-member: $349

Estimated Completion Time:

2 Hours

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Drivers of Performance

Learn how to apply income statement measures to analyze the profitability of a company.

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Using scenarios, learners will:  

  • Identify the drivers of CRE loan performance
  • Complete a performance checklist
  • Explain which drivers are the most critical
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Member: $75
Non-member: $135

Estimated Completion Time:

0.5 Hours

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Balance Sheet Analysis

Develop the skills to evaluate the strength of a balance sheet through liquidity analysis.

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Overview
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Mauris mollis libero at nisi efficitur, non dignissim metus sollicitudin. Duis semper massa est, quis rhoncus sapien aliquet a. Morbi elementum iaculis luctus. Donec in sem lectus. Nulla tempor justo urna, vitae maximus erat ornare id. Suspendisse eget faucibus erat, ac sollicitudin diam. Nam non nibh ac dui efficitur sodales. Curabitur mattis faucibus quam, ut gravida purus tristique a. Ut rutrum facilisis semper. Etiam ac pharetra lectus. Integer vitae pellentesque augue. Curabitur felis purus, maximus eget mollis ac, fringilla vitae nisl. Donec ullamcorper magna sit amet dui fringilla, vulputate lacinia est eleifend. Morbi vitae hendrerit enim. Nulla lacinia eros erat, at dignissim urna aliquet ac.

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Member: $199
Non-member: $399

Estimated Completion Time:

2 to 3 Hours

Income Statement Analysis

Learn how to apply income statement measures to analyze the profitability of a company.

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Overview
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Mauris mollis libero at nisi efficitur, non dignissim metus sollicitudin. Duis semper massa est, quis rhoncus sapien aliquet a. Morbi elementum iaculis luctus. Donec in sem lectus. Nulla tempor justo urna, vitae maximus erat ornare id. Suspendisse eget faucibus erat, ac sollicitudin diam. Nam non nibh ac dui efficitur sodales. Curabitur mattis faucibus quam, ut gravida purus tristique a. Ut rutrum facilisis semper. Etiam ac pharetra lectus. Integer vitae pellentesque augue. Curabitur felis purus, maximus eget mollis ac, fringilla vitae nisl. Donec ullamcorper magna sit amet dui fringilla, vulputate lacinia est eleifend. Morbi vitae hendrerit enim. Nulla lacinia eros erat, at dignissim urna aliquet ac.

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Member: $199
Non-member: $399

Estimated Completion Time:

2 to 3 Hours

Combined Balance Sheet and Income Statement Analysis

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Course Overview
Combined Balance Sheet and Income Statement Analysis will prepare you to interpret repayment risks suggested by the company’s historical financial performance and financial condition, applying balance sheet and income statement measures to analyze liquidity, leverage, profitability, financial productivity, and efficiency.

This course uses a combination of storytelling, application challenges, microlearning, cases, and job aids to build your confidence in your ability to analyze financial productivity and financial efficiency. We estimate it will take between two and three hours to complete the course.

Who will benefit?
Bankers who are responsible for both balance sheet and income statement analysis will benefit from this course.

You will:

  • Assess a company’s financial productivity or ability to generate profit.
  • Assess a company’s financial efficiency using turnover or activity ratios that relate income statement items to balance sheet items.
  • Analyze a company’s historical measures and trends as well as conduct an industry comparison.

Prerequisites
You should be well versed in basic accounting for bankers or take RMA’s Accounting and Financial Ratios course and have completed RMA’s Balance Sheet Analysis and Income Statement Analysis courses before enrolling in Combined Balance Sheet and Income Statement Analysis.

Resources
This commercial lending training course contains all necessary resources, including sample financial documents and job aids. You can save these resources to their device and/or print them.

Assessment
Knowledge checks are used throughout the course. The knowledge checks allow you to test your progress in securing the concepts and reflect on your thinking about the questions. A scored mastery assessment is available after you complete the course.

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Member: $199
Non-member: $399

Estimated Completion Time:

2 to 3 Hours

Underwriting – Basics

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, learners will:  

  • Identify best practices for CRE underwriting
  • Explore the component parts of the underwriting process
  • Construct a basic CRE Cash Flow Statement for an office property
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Member: $199
Non-member: $349

Estimated Completion Time:

2 Hours

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Underwriting – Different Types of Commercial Properties

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, and considering the various property types, learners will:  

  • Identify property characteristics and underwriting considerations
  • Analyze key differences in income and expenses
  • Explain gross vs. triple net rent structures
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Member: $125
Non-member: $225

Estimated Completion Time:

1.25 Hours

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Underwriting – Example Calculations

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios that include retail, apartment complex, and wholesale/manufacturing properties, learners will:  

  • Complete NOI calculations
  • Calculate the value based on the cap rate
  • Calculate LTV, DSC, and supportable loan amounts
  • Complete stress testing and sensitivity analyses
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Member: $125
Non-member: $225

Estimated Completion Time:

1 Hour

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Appraisals

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Learners will assess a property’s value based on the current market conditions presented in an appraisal. Using scenarios, learners will:

  • Explain which valuation approach is most relevant
  • Complete an Appraisal Review Form
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Member: $199
Non-member: $349

Estimated Completion Time:

2.5 Hours

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Leases

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Learners will apply lease review techniques in commercial property leases. Using scenarios and a lease review checklist, learners will analyze:

  • A tenant’s legal rights, remedies, and obligations
  • The key business considerations of lease commitments
  • Priority issues
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Member: $125
Non-member: $225

Estimated Completion Time:

1.25 Hours

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Environmental Assessments

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, learners will:  

  • Explain to a customer the environmental assessment process and requirements
  • Identify the level of environmental assessment that is required for a loan request to move forward
  • Determine if further environmental investigation will be required and why
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Member: $125
Non-member: $225

Estimated Completion Time:

1 Hour

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Loan Structure

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, learners will:  

  • Determine the best structure for a loan request
  • Explain why that structure is recommended
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Member: $125
Non-member: $225

Estimated Completion Time:

1 Hour

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Due Diligence and Documentation

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, learners will:  

  • Explain the key pre-approval documents required for a loan
  • Identify the key elements of due diligence and closing documentation required for a loan
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Member: $125
Non-member: $225

Estimated Completion Time:

1 Hour

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Construction Lending

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, learners will:  

  • Explore different types of construction loans
  • Explain to a customer the additional documents required for a construction loan
  • Evaluate the risks of a construction loan request
  • Explore project completion requirements and lender actions
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Member: $249
Non-member: $449

Estimated Completion Time:

3 Hours

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Homebuilder Lending

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Using scenarios, learners will:  

  • Explore acquisition, development, and construction lending
  • Compare and contrast homebuilder to other CRE construction lending
  • Identify the risks of AD&C
  • Complete a discounted cash flow analysis
  • Calculate a sensitivity analysis assuming a change in lots sold per quarter
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Member: $199
Non-member: $349

Estimated Completion Time:

2 Hours

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Monitor the Loan and Look for Opportunities

Learn how to interpret repayment risks through analyzing a company’s balance sheet and income statement.

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Member: $XXX
Non-member: $XXX

Estimated Completion Time:

X to X Hours

Curriculum Pricing

Interested in enrolling in the complete curriculum? Click below or reach out to your RMA Relationship Manager to learn more about curriculum pricing.

Coming Soon

We will be adding more courses on critical commercial credit and lending topics soon. 

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