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Qualitative Analysis and Determining a Credit Risk Rating

Curriculum of four courses covers qualitative analysis and how to assess industry risk, market risk and management risk. Learn the role of loan policy and the need to summarize the borrower’s various risks into an appropriate credit risk rating.

What You'll Learn

Courses included (only available as curriculum) and their objectives are listed below:

The Commercial Lending Process and Initial Business Development Calls

  • Explain why the commercial lending process is necessary
  • Recognize the process and types of information business bankers should acquire during a business development call

Credit Investigation and Assessing Industry, Market and Management Risk

  • Explain the importance of a credit investigation and describe what it entails
  • Identify industry, market, and management risks that can affect a borrower

Loan Policies and Procedure, Including Credit Risk Ratings

  • Describe how a bank’s organizational structure affects the lending function
  • Identify the key elements of a credit risk rating
  • Describe the loan review process as an independent validation of risk ratings and other commercial lending issues

Loan Packages and Credit Write-Ups

  • Identify typical components of a commercial loan package and memorandum
  • Describe the simpler format, timing, and administration of annual reviews for commercial loans


Commercial and/or Business bankers and Credit Analysts

Course Credits

ABA Professional Certifications: 8.0 CLBB; 3.75 CERP

ABA Certificates​: This course applies to the ABA Certificate in Business and Commercial Lending

​​Questions? Please contact for more information.



Purchase for a Team
To license this course to your bank for multiple learners, please contact ABA Training.​


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