SELF-DIRECTED COMMERCIAL LENDING COURSES

Explore RMA’s Self-Directed Online Learning Courses

Looking to build foundational commercial banking skills and accelerate your professional development? We have three exciting curricula and a library of special topics to choose from depending on your professional responsibilities and needs. Click below to explore each set of courses:

Lending Decision Process Curriculum

The Lending Decision Process offers a sound foundation in the basics of commercial lending and credit. Through web-based, audiovisual features, these 17 courses (or six separate series) present the analytical and decision-making techniques needed to make sound credit decisions using financial accounting, financial statement analysis, and cash flow analysis.

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Member: $720
Non-member: $1,440

Estimated Completion Time:

35 - 50 Hours

Register for the Lending Decision Process Curriculum Bundle

Small Business Lending Decision Process Curriculum

Lending to small businesses spanning different industries, geographies, and situations requires years of training and experience. There’s no better way for commercial bankers to get started or sharpen their existing skills than by enrolling in RMA’s Small Business-Lending Decision Process courses:

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Curriculum Overview

  • Accounting and Financial Statements Refresher 
  • Develop a Company Overview
  • Analyze Market and Industry Risks
  • Interpreting Reliability and Comparability of Financial Statements 
  • Interpreting Quality and Consistency of Balance Sheet and Income Statements 
  • Preparing Financial Statements for Analysis 
  • Financial Efficiency and Cash Cycles 
  • Analyzing Interim Financial Statements 
  • Non-seasonal Events and Trends 
  • Using Tax Returns to Analyze the Borrower 
  • Analyze Personal Financial Statements and Tax Returns 
  • Analyze Global Cash Flow 
  • Recommend the Structure of the Small Business Loan 
  • Document the Loan 
  • Monitor the Loan and Look for Opportunities 

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.

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Member: $799
Non-member: $1,449

Estimated Completion Time:

30 - 35 Hours

Register for the Small Business Lending Decision Process Curriculum Bundle

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.

Member: $749
Non-member: $1,359

Estimated Completion Time:

20 - 25 Hours

Register for the Commercial Real Estate Lending Decision Process Curriculum Bundle

Specialized Topics

Courses on special topics like ethical decision-making and the business of commercial banking serve as ideal onboarding material for employees either new to commercial banking or new to your bank.

For those new to the world of commercial banking, we have two courses designed to help build a broad foundation of understanding. These courses would make perfect additions to your institution’s onboarding program.

Member: $699
Non-member: $1,259

Estimated Completion Time:

15 - 20 Hours

Register for the Specialized Topics Bundle

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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Morbi malesuada elementum ex, vel fringilla elit molestie nec. In congue nulla a sapien aliquet, in fringilla sapien mattis. Proin placerat diam lorem, ut volutpat tortor luctus eget. Pellentesque euismod in ipsum nec tincidunt. Phasellus lacinia risus a volutpat dignissim. Vivamus et tortor purus. Aliquam ipsum quam, molestie quis posuere sit amet, semper ac mi. Integer vestibulum in lacus vitae posuere. In hac habitasse platea dictumst.

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

Coming Soon

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

Click here to join our mailing list to hear about courses as they are scheduled.
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