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Commercial Lending School

Commercial Lending School



September 26-27, 2018
VBA Training Center
4490 Cox Road
Glen Allen, VA 23060

The five C’s of credit are the foundation for this two-day commercial lending school. Beginning with an analysis of the commercial borrower’s character, the program will emphasize measures of repayment, the impact of financial leverage, market and industry conditions to be monitored, the bank’s collateral support, and the importance of timely and accurate risk ratings.  Topics of discussion will include:

  • Calculating the small business owner’s “character ratio”.
  • Recognizing the importance of business operating cycles.
  • Identifying specific keys to success for manufacturers, wholesalers, retailers and service companies.
  • Measuring a company’s repayment capacity.
  • Financing current working assets (accounts receivable and inventory) and calculating working capital requirements.
  • Understanding the relationship between balance sheet equity and financial leverage.
  • Knowing the “important” ratio calculations.
  • Analyzing the small business owner’s personal financial statement.
  • Determining the potential impact of “contingent liabilities”.
  • Evaluating the bank’s collateral position.
  • Underwriting the value of personal guarantees.
  • Assigning timely and accurate risk ratings.
Each of these concepts will be utilized in a case study designed to provide participants the opportunity to make essential underwriting determinations in order to reach a lending decision.

Who Should Attend

Any bank personnel desiring to learn the basics of commercial lending. 

About the Instructor


Registration Fees

VBA Members: Early Bird Registration (through August 29, 2018): $695
Regular Registration (August 30 - September 26, 2018): $725

Early Bird Registration (through August 29, 2018): $1,195
Regular Registration (August 30 - September 26, 2018): $1,225

Hotel Information



VBA Contact

Walter L. Lyons - [email protected]  
Manager, Education & Training
Virginia Bankers Association

VBA Event Cancellation Policy

All cancellations will be charged a $25.00 administrative fee. Cancellations received less than 72 business hours before the program will be charged a $75.00 administrative fee plus any additional fees associated with the training. Substitutions are allowed prior to beginning of course.