Commercial & Industrial Lending Fundamentals

Description

CU Business Group’s Commercial & Industrial (C&I) Lending Fundamentals is a fast-paced course that provides a relevant, risk-based introduction to underwriting and managing loans for operating companies.

This specialized 2-day C&I lending course is designed for credit union commercial loan officers and credit analysts with a focus on operating lines of credit and fixed asset loans. Join us to learn essential industry knowledge and establish a framework for best practices in C&I lending. You’ll gain a deeper understanding of cash flow evaluation techniques, working capital needs, loan structures, and ongoing credit risk management.

Key Topics Covered:

• C&I lending and operating company risk
• Income statement, balance sheet, and cash flow analysis
• Cash flow vs. collateral-driven lending
• UCA cash flow and ratio analysis
• Working capital concepts and seasonal cash needs
• Lines of credit vs. term loan structures
• Debt Service Coverage Ratio (DSCR) and leverage metrics
• Borrowing base and collateral fundamentals
• Management quality and operational risk assessment
• Industry and customer concentration risk
• Covenant structure and reporting requirements
• Ongoing monitoring and early warning signs
• Regulatory and examiner expectations for C&I lending

For questions or additional information, contact us at education@cubg.org.

Cancellation Policy

Cancellations within 30 days of the session will be charged a 15% administrative fee.
Cancellations within 7 days of the session will be charged 50% of the normal fee.
The course requires a minimum of 6 attendees or may be subject to cancellation. In the event of a cancellation by CUBG, registrants will receive either a refund or a credit towards a future course (no administrative fee applies).
Educational materials are proprietary and will only be provided to course attendees.