Commercial Lending School & Advanced Commercial Lending School (Virtual)

Conference/Seminar/School Gail Queen


While “relationship-based” lending is one of the foundations of community banking, today’s economic environment demands a complete understanding of your borrower’s repayment capacity. This course focuses on the fundamental concepts that lenders must understand when underwriting commercial loan requests.

Sample Topics

The following topics will be addressed:

  • Identifying and calculating cash flow from tax returns;
  • Financial ratios and cash flow analysis using income statement and balance sheet information;
  • Evaluating personal financial statements – what matters, what doesn’t;
  • Detailed analysis of lines of credit and asset conversion, to better understand accounts receivables, inventory and the cash cycle.
  • Identifying problem loan red flags and solutions.
  • Understanding the borrower, and performing appropriate due diligence.
  • Loan approvals and credit memo content. 

Registration Fees

Registration information will be available soon!

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 the beginning of course.