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.

Analyzing Different Industries
At CUNA Business Lending Certification Institute: Advanced Credit Analysis you'll receive in-depth instruction on evaluating the financing needs of different types of industries and businesses. You'll have practical, hands-on opportunities to review case studies and loan requests from manufacturing, service, retail, and commercial real estate businesses.

You will also receive information on how to manage business lending programs during these difficult economic times, including:

• Dealing with deteriorating credits
• The importance of annual servicing
• Key documentation issues
• Risk rating and the ALLL
• Re-evaluating your MBL strategy in the changing environment
• ALM management and the MBL portfolio
• FAS 114 and the meaning of "impaired"
• The importance of proper coding on MBL loans and how it impacts ALM
• Revisiting Risk based pricing

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, Credit Analysis. Begin with Fundamentals and progress your way to Advanced Credit Analysis.

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.

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: Advanced Credit Analysis: July 19–23, 2010

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

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

Preview the schedule

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 including: COGS and gross, profit margins, inventory valuation methods and their impact on profitability, and the 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

Affiliation with CUNA/League is required for attendance.

CPE Credits

"The case studies really made you think. You could utilize some of your own experiences and learn new aspects of reviewing a loan request at the same time." (2008)

"The Advanced Credit Analysis course helped me sharpen up on my business lending skills. I feel that the knowledge gained from the course will help me be more efficient on my job and arm me with the tools necessary to evaluate future business members." (2008)

"This class was truly presented as an "advanced" class. The cases were challenging and thought provoking. I was able to validate my past experience and learn new business lending tools and techniques. Well worth the time!" ~ Alice P. Stevens, First Financial Federal Credit Union (2007)

"The program allowed me to fill in some of the gaps in my knowledge. I thought the interaction between the instructors and participants was very valuable. Great learning environment."

"The credit underwriting program teaches you the skill set required to underwrite member business loans. More importantly, you are challenged to view potential credits from all possible angles to insure that you are providing prudent investments for your credit union and the best product and service available for your members."

Dana Sumner

Scholarships Now Available!