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.

Small Business Lending Decision Process – Full Curriculum

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

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Member: $799
Non-member: $1,449

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

Develop a Company Overview

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

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

  • Effectively interview a client to gather information about the borrower
  • Build a company overview
  • Assess the quality of a management team
  • Use third-party resources to look for ethics concerns
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Member: $199
Non-member: $349

Estimated Completion Time:

2.5 Hours

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Analyze Market and Industry Risks

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

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

  • Analyze market and competition risks
  • Perform an industry risk analysis
  • Analyze economic and business cycles
  • Assess the challenges associated with industry, product, and company life cycles
  • Appraise effective business strategies
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Member: $125
Non-member: $225

Estimated Completion Time:

1.75 Hours

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Interpreting Reliability and Comparability of Financial Statements

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

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

  • Determine the borrower’s compliance with GAAP
  • Evaluate the comparability of financial statements
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Member: $125
Non-member: $225

Estimated Completion Time:

1.5 Hours

Register for this course individually

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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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

Interpreting Quality and Consistency of Balance Sheet and Income Statements

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

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

  • Interpret the quality and consistency of balance sheets and income statements
  • Ask questions of the client about balance sheet and income statement information
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Member: $199
Non-member: $349

Estimated Completion Time:

2.5 Hours

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Preparing Financial Statements for Analysis

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

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

  • Convert spread financial statements to a format that expresses accounts as percentages of total sales or total assets
  • Compute and analyze the company’s:
    • Liquidity ratios
    • Leverage ratios
    • Profit margins
  • Make industry comparisons
  • Determine the company’s profitability
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Member: $299
Non-member: $539

Estimated Completion Time:

5 Hours

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Financial Efficiency and Cash Cycles

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

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

  • Compute and analyze the company’s efficiency ratios
  • Make industry comparisons
  • Determine the causes of liquidity and cash flow problems
  • Measure the company’s average cash cycles
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Member: $125
Non-member: $225

Estimated Completion Time:

1.75 Hours

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Analyzing Interim Financial Statements

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

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

  • Analyze an interim financial package
  • Obtain supplemental information to an interim financial statement
  • Distinguish temporary from permanent current asset and liability build-ups
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Member: $125
Non-member: $225

Estimated Completion Time:

1.5 Hours

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Non-seasonal Events and Trends

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

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

  • Identify causes for long-term borrowing
  • Identify ways to reduce long-term borrowing needs
  • Calculate cash flow and coverage ratios
  • Analyze a company’s coverage ratios
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Member: $199
Non-member: $349

Estimated Completion Time:

2.5 Hours

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Using Tax Returns to Analyze the Borrower

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

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

  • Identify specific tax forms needed in order to evaluate a business loan request
  • Find information needed about a borrower from their tax returns
  • Identify additional information needed from the business to process the loan application
  • Explain how rules for reporting income differ from financial statement rules
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Member: $125
Non-member: $225

Estimated Completion Time:

1.75 Hours

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Analyze Personal Financial Statements and Tax Returns

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

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

  • Locate data on the personal financial statement (PFS) relevant to cash flow and other sources of repayment in order to adjust net worth
  • Identify and fill in gaps on the personal financial statement
  • Calculate net worth adjustments and determine potential repayment sources
  • Construct a personal cash flow
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Member: $199
Non-member: $349

Estimated Completion Time:

2.5 Hours

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Analyze Global Cash Flow

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

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

  • Locate and gather the key information needed to construct a global cash flow
  • Construct a global cash flow
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Member: $75
Non-member: $135

Estimated Completion Time:

0.5 Hours

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Recommend the Structure of the Small Business Loan

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

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

  • Structure and document a small business loan prospect
  • Match the appropriate loan type with the customer’s needs
  • Qualify the secondary repayment sources
  • Identify sources of collateral
  • Determine if the loan (with its risks) should still be approved
  • Identify key covenants
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Member: $125
Non-member: $225

Estimated Completion Time:

1.5 Hours

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Document the Loan

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

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

  • Specify the loan document components and elements that support the identified loan structure
  • Ensure all documents are executed accurately
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Member: $75
Non-member: $135

Estimated Completion Time:

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

  • Identify all required reporting covenants
  • Identify all reporting requirements
  • Review third-party information sources
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Member: $125
Non-member: $225

Estimated Completion Time:

1.5 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. 

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