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.

The Lending Decision Process – All Series

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

Register for this bundle

Member: $720
Non-member: $1,440

Estimated Completion Time:

3 - 4 Hours

Register for this bundle

Series 1: Industry, Management, and Economic Influences

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

X Close
  • Course 1-1: Industry and Economic Influences
  • Course 1-2: Understanding the Business
X Close

Member: $100
Non-member: $200

Estimated Completion Time:

3 - 4 Hours

Register for this course individually

Series 2: Interpreting Quality of Financial Reports and Accounts

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

X Close
  • Course 2-1: Interpreting Reliability and Comparability of Financial Statements
  • Course 2-2: Interpreting Quality and Consistency of Balance Sheet and Income Statements
X Close

Member: $100
Non-member: $200

Estimated Completion Time:

8 - 9 Hours

Register for this course individually

Series 3: Analyzing the Company's Financial Performance and Condition

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

X Close
  • Course 3-1: Spreading Financial Statements
  • Course 3-2: Analyzing the Balance Sheet
  • Course 3-3: Analyzing the Income Statement
  • Course 3-4: Analyzing Combined Balance Sheet and Income Statement Measures
X Close

Member: $200
Non-member: $400

Estimated Completion Time:

12 Hours

Register for this course individually

Series 4: The Cash Cycle, Seasonality, and Discovering Borrowing Causes and Repayment Sources

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

X Close
  • Course 4-1: Business Cash Cycles
  • Course 4-2: Seasonality
  • Course 4-3: Discovering Borrowing Causes and Repayment Sources
X Close

Member: $150
Non-member: $300

Estimated Completion Time:

8 Hours

Register for this course individually

Balance Sheet Analysis

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

X Close

Overview
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Proin in orci sit amet lectus bibendum tincidunt. Fusce fermentum, purus ut fringilla fermentum, mauris risus pulvinar libero, vel suscipit massa dui at sapien. Praesent sit amet condimentum ligula, vel porttitor velit. Integer quis elit a lorem aliquet consectetur. Suspendisse sed lobortis eros. Duis vitae sapien sed mauris ullamcorper maximus. Integer iaculis mi nec nunc feugiat feugiat. Curabitur ac elit augue.

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.

X Close

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.

X Close

Overview
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Proin in orci sit amet lectus bibendum tincidunt. Fusce fermentum, purus ut fringilla fermentum, mauris risus pulvinar libero, vel suscipit massa dui at sapien. Praesent sit amet condimentum ligula, vel porttitor velit. Integer quis elit a lorem aliquet consectetur. Suspendisse sed lobortis eros. Duis vitae sapien sed mauris ullamcorper maximus. Integer iaculis mi nec nunc feugiat feugiat. Curabitur ac elit augue.

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.

X Close

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.

X Close

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.

X Close

Member: $199
Non-member: $399

Estimated Completion Time:

2 to 3 Hours

Series 5: Analyzing Cash Flow Statements to Measure Long-term Repayment Ability

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

X Close
  • Course 5-1: Cash Flow Statements & Their Formats
  • Course 5-2: Analyzing Cash Flow
  • Course 5-3: Debt Service Coverage
X Close

Member: $150
Non-member: $300

Estimated Completion Time:

5 to 6 Hours

Register for this course individually

Series 6: Using Financial Projections to Fine Tune the Credit Analysis

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

X Close
  • Course 6-1: Assessing Short-Term Repayment Ability Using Monthly Pro-Formas
  • Course 6-2: Preparing and Interpreting Annual Financial Projections
  • Course 6-3: Using Projections to Help Determine Appropriate Loan Type
X Close

Member: $150
Non-member: $300

Estimated Completion Time:

6 to 7 Hours

Register for this course individually

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. 

Click here to join our mailing list to hear about courses as they are scheduled.
© The Risk Management Association 2020