Commercial Credit for Lenders/Analysts

What is Commercial Credit for Lenders/Analysts?

Commercial Credit for Lenders/Analysts (CCL) is an 8-week program, which provides a solid foundation in the basics of commercial lending and credit. The program focuses on the lender with little or no experience, loan trainee, credit analyst, or branch manager. A basic understanding of financial accounting is the only course prerequisite and the program is an ideal precursor for the popular Loan Officer Resident Seminar (LORS) held in the spring.

This is not an advance level course. It is a basic beginner to intermediate-level course for those institutions that are intent on “growing their own” lenders and analysts. It assumes that the participant has limited commercial lending experience or has used these skill sets minimally prior to the course. It is also a valuable course for those in transition to commercial lending for the very first time.

Commercial Credit for Lenders/Analysts is an exciting cost-effective educational opportunity to start your lenders off with a solid foundation in the basics of commercial lending and credit. Unique features include:

Presentation in 4 comprehensive, instructor-led, all day sessions.
Each session is preceded by 2 weeks of self-study.
Instructor is available throughout the entire 8 weeks to assist participants.
Self-assessment questionnaires enable each participant to measure their progress.
RMA education materials serve as an excellent reference source for years to come.
The class size is limited to 25 participants. Participants work closely together in a collegial, interactive, face to face instructor-led workshop environment. This collaborative approach ensures that all participants maximize the course value while learning from each other, and the instructor.
The price is right.

*** An understanding of accounting principles is a prerequisite for taking the course. ***

What You Can Expect After Your Lending Professionals Complete CCL:
After completing this comprehensive learning experience, your lending professionals will have mastered the following key foundation skills:

Concepts of financial accounting
Ratio trend analysis
Business and industry risk analysis
Management assessment
Cash flow analysis
Balance sheet and income statement analysis

Curriculum: CCL covers seven fundamental skill sets of commercial lending:

Industry, Business & Management Risks
Financial Statement Analysis
Balance Sheets
Income Statements
Combining Balance Sheets and Income Statement Analysis
The Cash Cycle and Seasonality
Cash Flow Analysis

Instructor-Led Dates: -- the participant must attend each session. --

October 7, 2019*
Introduction
Accounting & Financial Statements Refresher
Accounting Skills Assessment

October 22, 2019
Module 1 – Industry and Economic Influences
Module 2 – Quality of Financial Reports

November 5, 2019
Module 3 – Analyzing Financial Performance and Condition
Module 4 – The Cash Cycle, Seasonality and Discovering Borrowing Causes and Repayment Sources

November 18, 2019
Module 5 – Analyzing Cash Flow Statements and Measuring Repayment Ability
Module 6 – Using Financial Projections to Fine-tune the Credit Analysis
Mock Loan Committee – Group Presentations

*Participant will be required to complete Accounting and Financial Statements Refresher before attending the first session.

NOTE: First and last sessions may not be full day sessions.

About the Instructor:

Richard Labrecque (Rick) is currently the Originations Manager and Vice President for Citizens Bank responsible for the underwriting of Busuness Banking relationships over the Bank's footprint. Previously, Rick was a Credit Officer for Santander supervising a commercial underwriting unit that also covered New England. His tenure there included underwriting and portfolio management in the Business Banking, Middle Market and Franchise Groups.

With more than 30 years of experience, Rick has worked in commercial credit and lending with a concentration in the C&I, CRE and small business disciplines. He began his commercial credit career at CitiBank in the late 1980’s and later moved on to RECOLL Management Corp., a subsidiary of Fleet Financial, working on the disposition of the Bank of New England loan assets for the FDIC. Following his tenure there, he worked at smaller institutions developing and refining their commercial credit and lending programs.

A member of RMA for more than 25 years, Rick utilized RMA training, research and solutions at area Community Banks to successfully implement appropriate credit disciplines and enhance risk management programs while still serving the financial needs of the institution’s target market.

Rick received his undergraduate degree in Economics from Bridgewater State University and an MBA in Finance from Dallas Baptist University.

Site Location:
Rockland Trust
120 Liberty Street, 3rd Floor Conference Room
Brockton, MA 02301

Attire: Business Casual

Registration Fees:
RMA: $1,095 Non-Members: $1,635