This course provides an overview of the nature and components of commercial lending. Business clients, their industry areas and organizational structures are discussed. Building and maintaining client relationships as well business banking organizational structures, administrative processes, documentation, and risk management are presented. The course also considers the economic factors important to commercial lending markets, regulators and regulations, and loan interviewing and negotiation. The basic analysis of income and balance sheet statements, ratios and cash flow analysis is presented. Also included are loan structuring, documentation, closing and support, and identifying and handling problem loans.
Offered Spring for 3 Semester hours.