The Commercial Lending Development Program (CLDP) is an intensive, multi-session course designed to transition bankers from basic credit analysis to the complex world of commercial and industrial (C&I) lending.

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Core Objectives

• From Analysis to Lending: Shift the focus from purely technical spreading to active loan structuring and portfolio management.

• Complex Underwriting: Master the intricacies of commercial real estate (CRE), equipment financing, and working capital lines of credit.

• Risk Management: Utilize advanced tools like the 5Cs of Credit and global cash flow analysis to mitigate institutional risk.

Key Features

• Strategic Training: Emphasis on identifying "red flags" in financial statements and tax returns (Forms 1040, 1120, 1065).

• Expert Integration: Covers the legal and regulatory side of lending, including documentation, collateral valuation, and environmental risk.

• Professional Growth: Specifically tailored for Commercial Lenders, Relationship Managers, and Senior Analysts looking to manage their own portfolios.

The program bridges the gap between understanding the numbers and making sound, strategic lending decisions for the bank.