CUNA Business Lending Certification Institute: Advanced Credit Analysis
Topics & Objectives

Please note that the Topics/Objectives listed below are subject to change.

Review the Business Credit Analysis Process

• Review cash flow concepts and statements
• Understand operating cycles and other factors that impact cash
• Analyze a case study to determine the strengths and weaknesses of a business

Loan Servicing & Portfolio Management

• Understand how and why to evaluate the quality of your portfolio
• Examine loan covenants and other portfolio management tools
• Learn how to structure different types of loans

Analyzing Manufacturing Businesses

• Get an overview of the manufacturing sector
• Focus on specific areas for review and analysis

1. COGS and gross profit margins
2. Inventory valuation methods and their impact on profitability
3. Importance of the operating cycle
• Differentiate between fixed and variable expenses
• Discover red flags for manufacturers
• Analyze a case study for a manufacturing business

Analyzing Service Sector Businesses

• Recognize the unique aspects of service businesses
• Understand the competition
• Identify markets
• Understand the red flags for service businesses
• Analyze a case study for a service sector business

Analyzing Retail Businesses

• Understand inventory control
• Discover the importance of location
• Evaluate the competition
• Understand the impact of demographics
• See the red flags for retail businesses
• Analyze a case study for a retail business

Financing the Purchase of an Existing Business

• Distinguish between an asset and stock purchase
• Understand the implications of a non-compete agreement
• Identify the issues involved in a purchase/sale agreement and learn ways to quantify goodwill
• Work on a case study

Analyzing Commercial Real Estate Projects

• Understand methods for valuing property: Commercial real estate appraisals
• Learn how to calculate cash flow for non-owner occupied properties
• Discover the cautions in construction lending
• Uncover the red flags for real estate projects
• Analyze a case study for commercial real estate lending

For more program content information or to request a brochure call 800-356-9655, ext. 4249, or email elearning@cuna.coop. For registration questions, call 800-356-9655, ext.4400 or e-mail reginfo@cuna.coop.