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Commercial Lending provides an understanding of businesses and their borrowing needs. This 30-35 hour eLearning course provides a framework for how to undertake robust credit risk assessments, make good credit decisions, and structure loans. It is on the path to the Certificate in Commercial Credit.

You learn how to:

  • Assess the financial condition and trends of commercial and industrial enterprises.
  • Calculate and interpret liquidity, solvency, and debt service coverage ratios to identify critical credit risk factors.
  • Interpret and analyze company cash flow to assess debt service capacity.
  • Meaningfully forecast company financial results to determine a range of likely future outcomes.
  • Evaluate marketplace and competitive risks that could impact financial performance. 
  • Assess the entity’s management integrity, skill set and corporate governance. 
  • Mitigate risk by selecting the right loan type, properly structuring the loan, and ensuring collateral/guarantees are in place.
  • Make sound, defensible lending decisions.

With Moody’s Analytics eLearning:

  • You gain in-depth understanding of credit theory and sector-specific factors from our relevant and current content.
  • You concentrate your studies on the areas where you have knowledge gaps, through our pre-course diagnostics and comprehension checks.
  • You can configure the course to "test out" and accelerate through based on your diagnostic scores.
  • You optimize your learning time through our engaging, industry-leading online programs with interactive, multi-media lessons, which feature videos and quizzes.
  • You build your confidence by practicing complex concepts, applying new credit skills and demonstrating mastery with a robust simulation based on a real lending scenario.
  • You demonstrate your mastery of the concepts by completing a final examination.
  • Program sponsors can monitor participation, assess performance, and access critical detail to support measuring ROI.

Who is taking this course?

  • ​Commercial and corporate lenders
  • Certificate in Commercial Credit candidates
  • Relationship managers
  • Commercial, corporate loan analysts, underwriters
  • Branch managers
  • Middle market client-facing staff
  • This course is on the learning path to the Certificate in Commercial Credit.

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