Business Lending
Fundamentals
SELF-PACED
E-LEARNING
10-12
HOURS
Build credit acumen by understanding borrowing needs
OVE RVIEW
The small business market offers the opportunity to invest in the communities you serve while building
This course helps organizations tap into this lucrative market by providing the skills needed to successfully
W H O S HOU L D ENR OL L
Anyone who needs to understand businesses and their borrowing needs, including branch managers,
RE S ULT S AND B US I NES S BE N E FI T S
Upon completion, participants will be able to:
Conduct meaningful conversations with business owners about operations and borrowing needs
Assess the industry position, business growth stage, management, and business model
Evaluate business loan requests to determine whether they represent bankable opportunities
Improve communication with business owners and managers, as well as with internal management
L E A RNING M O D ULES
1
2
3
4
5
Learning about
the Business
Understanding
Business Needs
Assessing the
Business and
Management
Fundamentals
of Financial
Statements and
Tax Returns
Understanding
Needs and
Communicating
Credit Solutions
E-LEARNING By OMEGA PERFORMANCE
Omega Performance E-Learning courses, accessible online at any time, are
developed to be highly interactive—maintaining high learner interest that
Learning Module Descriptions
1
LEARNING ABOUT THE BUSINESS
4 FUNDAMENTALS OF FINANCIAL
STATEMENTS AND TAx RETURNS
Addresses the components of a preliminary assessment
situations
2
income statements
UNDERSTANDING BUSINESS NEEDS
determine the strength of a guarantee
Compares and contrasts cash and accrual accounting
Conveys the importance of the operating cycle as a foundation for
planning and conducting borrower conversations and risk analysis
through a business
Demonstrates how timing differences in the operating cycle create
5 UNDERSTANDING NEEDS AND
3
COMMUNICATING CREDIT SOLUTIONS
ASSESSING THE BUSINESS
AND MANAGEMENT
company’s loan request as part of the credit approval process
Provides a process to determine the effectiveness of a borrower’s
competitive strategy
guarantees, and subordination
Demonstrates the key issues to address when assessing a business
Reviews the components of pricing
Reviews the characteristics of strong general management analysis,
including breadth, depth, leadership, and reputation
Demonstrates how to communicate the credit solution including
approvals, counter-offers, and declines
Conveys the importance of product-market management
regulatory issues
information systems that support the business
likelihood of business debt repayment
FIND OUT MORE ABOUT OMEGA PERFORMANCE TRAINING
For detailed course descriptions and to speak with an Omega training consultant, please contact us at:
North America: +1 703-558-4440 // solutions@omega-performance.com // omega-performance.com
+65 6505-2060 // apacsolutions@omega-performance.com // omega-performanceapac.com
Training Effectiveness
Benchmarking Report
Business Lending Fundamentals
Average Percentage Increase in Knowledge
LEARNING MODULES
28%
PRE-TEST SCORES
POST-TEST SCORES
1. Learning About the Business
65
91
2. Understanding Business Needs
60
90
3. Assessing the Business & Management
58
86
4. Fundamentals of Financial Statements & Tax Returns
49
85
5. Understanding Needs & Communicating Credit
69
88
Key Takeaways
30%
Pre-Training Participants were lacking
critical Business Lending Fundamental
skills, such as the ability to identify
borrowing needs or understand the
effects of different growth stages
of business. Further, participants
were not able to identify all parts
of a business tax return or financial
statement.
28%
36%
60
90
Unders
sta
andin
ng
Understanding
Business
Needs
usiness Need
ds
Pre-Test
58
86
49
Assesssin
A
ng th
he
Assessing
the
Business
Busine
ess &
Management
Post-Test
85
F
Fundam
am
men
e ta
alss
Fundamentals
of Financial
Fina
ancial
Statements &
Tax Returns
Increase in Knowledge
The graph above displays the score data for the learning modules of Business
Lending Fundamentals in which participants display the greatest skill
improvement, as demonstrated in the Pre-Test and Post-Test differential.
OMEGA PERFORMANCE BENCHMARKING REPORT
Post-Training Post-Test results
highlighted an average 28%
improvement in key skills. Participants
were able to demonstrate the
impact of sales growth on financing
needs, and outline financial issues to
address when evaluating a business.
Additionally, participants were able
to identify all parts of a business
tax return and financial statement,
and recognize how basic financial
statement ratios are used in making
credit decisions.