Presented in partnership with the Executive Education, University of Wisconsin—Madison School of Business, Small Business Development Center, the CUNA Business Lending Certification Institutes help you and your credit union serve the financial needs of your members' small businesses.

Evaluating Loans: Credit and Risk Analysis
CUNA Business Lending Certification Institute: Credit Analysis will provide credit analysts and business lending officers with the tools necessary to perform in-depth evaluations of the credit needs of member businesses.

During this program, attendees will become acquainted with the challenges businesses face in making debt service payments and meeting other financial needs. At the conclusion of this program, attendees will have analytical skills to comprehend and discuss in-depth those subjects that need to be addressed as part of a thorough credit analysis report.

Wondering which business lending program is right for you?
For those with already established business services programs, we offer CUNA Business Lending Certification Institutes: Fundamentals, Advanced Credit Analysis. Begin with Fundamentals and progress your way to Advanced Credit Analysis. Interested participants can also test into Credit Analysis with completion of the Credit Analysis Online Entrance Exam.

Earn your certification! Set yourself and your credit union apart by passing an on-site exam and earning certification. Though this certification is not a degree or license, it documents your knowledge and expertise in the business lending arena.

Earn college credit. The American Council on Education's College Credit Recommendation Service has recommended college credit for CUNA's Business Lending Institute: Fundamentals and Credit Analysis. Two semester hours in Management of Financial Institutions in the lower division baccalaureate/associate or upper division baccalaureate degree have been recommended. Contact your advisor to determine if your college or university will accept these credits.

Interested in attending one or more days, but not the complete program? Just contact us at training@cuna.coop or call 800-356-9655, ext.4249 to hear a complete list of the options we have available.

CUNA Business Lending Certification Institutes: Credit Analysis: July 19–23, 2010

CUNA Business Lending Certification Institutes: Fundamentals:  July 19–23, 2010

CUNA Business Lending Certification Institutes: Advanced Credit Analysis:  July 19–23, 2010

Preview the schedule

Review of the Business Credit Analysis Process

• Review of the five C’s of credit
• Discuss balance sheets, profit and loss statements, and cash flow statements
• Explore operating cycles for manufacturing, retail, and service businesses

Analyzing Business Tax Returns

• Explore how to use tax returns as the basis for analyzing creditworthiness
• Identify the differences between tax returns for various types of businesses
• Learn what to focus on and what you can ignore in tax returns
• Realize the hazards of using interim financial information and the need to reconcile that information with end-of-the-year tax returns

Repaying Loans

• Explore the advantages and disadvantages of repaying loans with cash flow, personal guarantees, and collateral
• Discuss personal financial statements as an indicator of the personal financial strength of business owners and other guarantors

Life Cycles of Businesses

• Learn about the different stages of businesses from startup to maturity
• Understand the changing financing requirements at each stage

Financial Projections

• Understand financial projections as a tool in the credit analysis process
• Discover how to test business assumptions
• Learn how to develop projections for balance sheets, profit and loss statements, and cash budgets

The Cashflow Statement

• Explore the information contained in cashflow statements and use it to identify how a business is generating and using cash
• Differentiate the definitions of cashflow

Financing Sources for Start-up Businesses

• Discuss how to modify common credit analysis techniques for start-up businesses
• Explore a variety of startup issues including: typical sources of capital, the role of angel investors and venture capital, and analyzing a business with no history
• Understand the need to rely on projected financial information, equity contribution, owner financial strength, commitment and experience

How to Finance Fast-Growth Businesses

• Understand the financing requirements of fast-growth businesses
• Explore permanent working capital, an index of sustainable growth, and other analysis tools
• Identify when to use short- and long-term loans

Debt Financing from Non-Traditional Sources

• Discover how private and public non-profit loan programs can assist conventional private sector lenders fill financing gaps
• Become familiar with the types of loan incentives available though organizations such as the Small Business Administration, U.S. Department of Agriculture, and regional development organizations

Types of Financing & Loan Covenants

• Learn how to structure deals with non-traditional debt
• Explore the different financing instruments and their applicability
• Understand how to use loan covenants to protect the credit union
• Discuss loan types, lines of credit, term loans, and asset based lending

Case Study

• Analyze real loan applications
• Determine structure and terms
• Investigate red flags and issues

Affiliation with CUNA/League is required for attendance.

CPE Credits

"The review of the 5 C's of credit, understanding various business's operating cycles, and learning more about interim financials, will make me a much better interviewer and analyst. It helped drive home the importance of certain questions to ask when interviewing and how to better understand a company and it's operations. " (2008)

"The program has helped me to put analysis of figures into the right perspective. It has helped to learn to apply the financial figures to create the financial picture of the business."

"I learned more detailed analysis to become more confident in commercial lending."

"I understand how to better read the income statement, balance sheet, tax return, and business plan. With this class, I can make a better impact on our members. Thank you."

"Learning more about financials to do cash flows was very helpful. It gave another source to conduct a cash flow at a more conservative level."

Vincent DiCara

Scholarships Now Available!