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Commercial Loan Officer
Understands, explains, and applies basic accounting principles and procedures.
Understands and explains products and concepts relating to commercial loans (e.g., credit vs. term loans, collateral, amortization limits, maturity limits, and loan to value or advance rates).
Identifies and utilizes relevant technology and tools to analyze data; efficiently and effectively performs assigned tasks.
Models financial statements from customers in a proprietary system to calculate ratios, perform covenant compliance, and underwrite loans.
Risk Assessment and Trend Analysis
Identifies trends in financial data, distinguishes between positive and negative trends, and explains impact of trends on ratios or covenants.
Identifies documents included in a loan package, including covenants in loan agreements that need to be tested.
Calculates covenants for loan packages following language outlined in loan agreements.
Discovers information that isn't publicly available, shifts another person's perspective, and makes convincing presentations.
Focuses on the study of the national economy, emphasizing business cycles and long-run growth trends.
Focuses on the study of individual decision making, emphasizing households, business firms and industry analysis.
Emphasizes effective business writing and cover letters, memoranda, reports, application letters, and resumes.
Introduces the application of fundamental business principles to local, national, and international forums.
This course introduces accounting principles for understanding the theory and logic that underlie procedures and practices for business organizations.