Washington
Sydney
Omega Performance Corporation
Toronto
Singapore
London
Shanghai
www.omega-performanceapac.com
info_asia@omega-performance.com
COMMERCIAL LOANS TO BUSINESS
Business Issue
RESULTS YOU CAN EXPECT
As business becomes more competitive and
risk increases, so does the need for lenders
who can identify and assess these risks.
Whatever the point in a business cycle, it is
imperative that lenders work from a solid
foundation in commercial lending skills.
Commercial Loans to Business helps you and
your lenders:
• Develop a more profitable, lower-risk
loan portfolio
Omega Performance’s Solution
Commercial Loans to Business (CLB) is the
industry standard for giving commercial
lenders the combination of skills and current
information they need to make sound, wellinformed loan decisions.
Updates to the program include enhanced
usability, additional delivery options, and
more streamlined and user-friendly content
that reflects the latest business trends and
risk drivers affecting commercial borrowers,
including
technology,
globalisation,
operations, and management. The new
CLB focuses on high-value, high-impact
competencies by emphasising interpretation
and analysis instead of mechanical
calculations.
The core of the system is our exclusive
Decision Strategy™, a step-by-step process
for investigating, analysing, and interpreting
borrower information—including all aspects
of risk analysis, financial statement analysis,
cash flow analysis, and loan structure.
Who Should Be Trained
CLB is recommended for:
• Entry-level and mid-career commercial
lenders
• Entry-level and mid-career credit
analysts
• Credit administration staff
• Loan review staff
• Management trainees
The training has also proven effective for
officers in international lending, regional
loan administration, credit policy, business
development, and other departments that
support the commercial lending function.
© Omega Performance Corporation. All rights reserved.
• Increase lending efficiency
• Improve relationships with customers
through a better understanding of their
credit needs
• Create a common vocabulary and
lending process throughout the
organisation
Washington
Sydney
Omega Performance Corporation
Toronto
Singapore
London
Shanghai
www.omega-performanceapac.com
info_asia@omega-performance.com
COMMERCIAL LOANS TO BUSINESS
What Is Included
Commercial Loans to Business includes the
following self-study modules, each of which
covers an important facet of the commercial
lending decision process:
Projections teach participants to integrate
their historical industry, business and
financial statement analysis information
into a forecast of future cash flow available
for loan repayment.
Opportunity Assessment includes an
introduction to commercial lending and
the asset conversion cycle, and provides a
framework for comprehensive risk analysis.
Loan Structuring helps participants decide
how and under what conditions they would
be willing to lend money to the customer.
Borrowing Causes teaches participants
to probe into the real reasons behind a
borrower’s loan request. Participants learn
that if they understand the true cause, they
will be better able to understand the risks
in lending to a company, structure a loan
appropriately and anticipate the borrower’s
needs.
Prerequisites
Industry Risk Analysis addresses changes
in the environment in which the borrower
operates by examining the economic,
market, demographic and other forces that
are generally outside the borrower’s or the
lender’s control.
Omega Performance offers flexible delivery
options, including print self-study only with
coaching, print self-study plus workshop,
workshop only with minimal pre-work, and
online with print accompaniment.
Business Risk Analysis helps participants
analyse how well a borrower’s management
team is dealing with the risks inherent in
the industry.
Financial Statement Analysis teaches
participants how to interpret financial
statements as a reflection of the entire
range of a company’s operations, from sales
and distribution to purchasing.
Cash Flow Analysis describes how lenders
cancel the effects of accrual accounting
to see a company’s cash dynamics—its
cash inflows and outflows—as an important
component of repayment source analysis.
© Omega Performance Corporation. All rights reserved.
Participants should have a solid grasp
of accounting fundamentals. Omega
Performance’s Credit Skills Assessment
can help you determine if training in
accounting is necessary.
Delivery Options
Participants generally need 35.5 hours to
complete the self-study modules. Three-day
and five-day workshops are available.
All the content for Commercial Loans to
Business is available online, including preand post-testing, online progress checks,
and online skill assessment corresponding to
each module of content, with feedback and
remediation links to relevant content.