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Commercial Lending Training Program

How sound is your commercial lending training program and how do you manage it? This unique training program will equip your lenders with the comprehensive credit skills they need to analyze a commercial lending request and prepare a highly effective credit write-up.
Upcoming

Intermediate

DATE

Thursday, October 8, 2026
Thursday, October 22, 2026

INSTRUCTOR

Tom Carlin

FORMAT

Training Program

$1,850.00 or 10 Tokens

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Lending
  • Lending Compliance
  • Commercial Lender
  • Credit Analyst
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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This training consists of ten online self-paced courses and two webinars.The program emphasizes the competencies needed to identify, interpret, and analyze risk.

The webinars will cover real lending scenarios, and participants will enter virtual breakout rooms for interactive small-group discussions. Live attendance is a must to get the most out of this engaging training opportunity. Breakout rooms will not be recorded. Space is limited, so register today!

Students will independently work through the first five courses and assessments prior to the first webinar, Commercial Lending Training Program: Part 1. Students will then work through the final five courses and assessments prior to the second webinar, Commercial Lending Training Program: Part 2.

Included Webinars

  • Commercial Lending Training Program Part 1
  • Commercial Lending Training Program Part 2

Series Details

Commercial Lending Training Program Part 1

How sound is your commercial lending training program and how do you manage it? This unique training program will equip your lenders with the comprehensive credit skills they need to analyze a commercial lending request and prepare a highly effective credit write-up.
  • Understand the difference between cash and accrual accounting.
  • Understanding the mechanics of debits and credit and how financial statements are prepared
  • Evaluate key ratios
  • Demonstrate how changes in key ratios affect the balance sheet, income statement and cash flow statement
  • Understand why companies borrow and how they repay
  • Explore borrowing needs caused by changes in the cash cycle
  • Examine the components of working capital.
  • Use enhanced techniques to further understand changes in liquidity, leverage, profitability, and asset management.
  • Understand the mechanics of calculating a cash flow statement from one income statement and two balance sheets.
  • Explain the significance of the operating, investing and financing cash flows
  • Describe the various types of cash flow analysis and when each is appropriate including: UCA cash flow, indirect cash flow, free cash flow, EBITDA and global cash flow.

Commercial Lending Training Program Part 2

How sound is your commercial lending training program and how do you manage it? This unique training program will equip your lenders with the comprehensive credit skills they need to analyze a commercial lending request and prepare a highly effective credit write-up.
  • Understand how macroeconomic factors can affect a business and its ability to repay a loan.
  • Explain business, industry and management risk elements and how they affect loan repayment.
  • Read personal financial statements and ask appropriate questions.
  • Evaluate C&I risks associated with lines of credit, term loans, bridge loans and permanent working capital loans.
  • Explain proper loan structure and how covenants are used.
  • Make decisions on lending requests.
  • Understand the elements that go into an effective credit write-up.

What You'll Learn

  • Understand the difference between cash and accrual accounting.
  • Understanding the mechanics of debits and credit and how financial statements are prepared
  • Evaluate key ratios
  • Demonstrate how changes in key ratios affect the balance sheet, income statement and cash flow statement
  • Understand why companies borrow and how they repay
  • Explore borrowing needs caused by changes in the cash cycle
  • Examine the components of working capital.
  • Use enhanced techniques to further understand changes in liquidity, leverage, profitability, and asset management.
  • Understand the mechanics of calculating a cash flow statement from one income statement and two balance sheets.
  • Explain the significance of the operating, investing and financing cash flows
  • Describe the various types of cash flow analysis and when each is appropriate including: UCA cash flow, indirect cash flow, free cash flow, EBITDA and global cash flow.

Who Should Attend

This program is ideal for credit administration staff, entry- and mid-level credit officers, entry-and mid-level commercial loan officers, loan review officers, retail bankers and relationship managers, commercial lending departments, and retail branch staff.
Tom Carlin

Instructor Bio


An authority on financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He has worked with major banks, insurance companies and regulatory agencies over the last twenty years, designing and teaching financial topics including: basic, intermediate and advanced credit and financial statement analysis, business lending for branch bankers, accounting for bankers, basic intermediate and advanced cash flow analysis, loan structuring, consumer lending and trade finance. His audiences include business bankers, recent graduates going through the organizations basic credit training program, senior management personnel who need to know the basics of accounting and financial statement analysis, middle market lenders with many years of experience and regulatory agency personnel. Each program he designs and teaches is tailored to the individual customer with the products, procedures and culture of the organization incorporated into the course design. The complexity and intensity of the programs are adjusted to reflect the needs of the participants and the logistical training issues faced by the organization.

He is the author of Financial Statement Analysis published by the American Bankers Association in 1994. He is also the author of Consumer Lending, published by The Center for Financial Training in 2015.

He has designed and taught programs in risk analysis for Citibank, Wells Fargo, American International Group, Capital One, Chase Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of China. He has also taught the Credit Risk Analysis Program at the Federal Reserve Bank.

Prior to Eensight, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was also a Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.

Mr. Carlin has a Master of International Management degree from Thunderbird School of Global Management and a Bachelor of Arts degree from Villanova University.


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