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CUNA Business Lending Certification School

July 18-21, 2022 
Madison, WI

Overview

Become certified as a business lending expert 

CUNA Business Lending Certification School equips you with in-depth knowledge and the chance to develop your skills as a sure-footed guide for your credit union's business lending.

Attendees will have the opportunity to:

  • Learn business and commercial lending essentials and best practices
  • Form applicable strategies for enhancing your business lending program
  • Connect with other business lending leaders and expert speakers
  • Earn your designation as a Credit Union Business Lending Professional (CUBLP) by completing all three years

CUNA Business Lending Certification School consists of Years 1-3. Those who successfully complete all three years of the school, including in-program exams, earn their Credit Union Business Lending Professional (CUBLP) certification.

Learn about the three years of CUNA Business Lending Certification School below.

This event is endorsed by CUNA Lending Council.

The Year 1 Commercial Lending Foundations course is designed to provide an introduction to the different areas associated with the commercial lending department. Attendees will experience an overview of commercial credit administration, commercial credit analysis, commercial business development and NCUA regulations governing all facets of commercial lending.

Topics Include

  • Exploration of NCUA regulations, specifically Part 723: Commercial & Member Business Loans 
  • Building a commercial credit department
  • Identifying key components of a loan package
  • An overview of supporting financial information 
  • Understanding collateral and collateral valuation methodologies
  • Development of business negotiating skills and establishment of sales approaches and call types

Learning Objectives & Outcomes

After attending this program, participants will be able to:

  • Employ the 5 Cs of credit for credit decisioning
  • Understand the key concepts utilized in the commercial loan underwriting process 
  • Comprehend the analysis provided in a credit presentation/memorandum
  • Develop an understanding of the key components within NCUA Part 723
  • Explore management of commercial loans beyond approval
  • Grasp sales and relationship skills utilized for business development

Audience

This course is intended for board members, senior management and all supporting staff currently engaged in or seeking a role in the commercial lending department of the credit union.

Prerequisites

None required, however, an optional pre-conference workshop is available for separate registration.

Designation Requirements

Attending Year 1 and successfully completing the corresponding exam is the first step required in attending all three years of the CUNA Business Lending Certification School to ultimately earn the designation.

Schedule

Monday – Thursday, 8:30 am – 5:00 pm – University of Wisconsin-Madison School of Business – Grainger Hall

STUDENTS SELECT ONE OF TWO TRACKS OFFERED FOR YEAR 2 CURRICULUM – EITHER CREDIT ADMINISTRATION OR CREDIT ANALYSIS.

Course Description

The Year 2 Credit Administration course is designed to provide an overview on how to develop and maintain a credit administration function that aligns with the risk tolerance, credit culture and mission of the credit union. Through group activities, class participation and instruction, participants are exposed to methods and resources to provide guidance to anyone involved in commercial/business lending to ensure safeguards are in place to manage the loan portfolio in a safe and sound manner.

Topics Include

  • Establishing effective policies, processes and procedures
  • Setting and monitoring concentration levels
  • Managing problem loans, workouts and collections
  • Building a commercial loan risk management process and rating system
  • Reviewing general documentation and its importance in protecting the credit union
  • Utilizing underwriting analysis and credit presentations to control risk

Tools

Participants will learn skills and be provided tools to:

  • Set the credit culture within an organization
  • Create and manage a highly effective risk assessment and credit underwriting system
  • Define and utilize a risk rating system to manage portfolios
  • Establish a robust loan documentation and review process
  • Develop, utilize and maintain reporting systems for portfolio management
  • Leverage NCUA Examiner Guidance

Learning Objectives & Outcomes

After attending this program, participants will be able to:

  • Have a more thorough understanding of all aspects of credit administration
  • Know how to use National Credit Union Administration (NCUA) guidance as a resource
  • Connect credit administration to loan underwriting and production at their credit unions
  • Have resources to develop and implement policies, reports, risk rating systems and
    much more

Audience

This course is intended for participants that are currently or will be serving in credit administration positions, for junior and senior managers desiring a better understanding of credit administration and portfolio management, any lenders/branch managers/business development officers who need to be better prepared to perform in their current positions.

Prerequisites

Attending Year 1 and successfully completing the coursework and exam are required prior to registering for Year 2.

Designation Requirements

Attending Year 2 and successfully completing the corresponding exam is the second step required in attending all three years of the CUNA Business Lending Certification School to ultimately earn the designation.

Schedule

Monday – Thursday, 8:30 am – 5:00 pm – University of Wisconsin-Madison School of Business – Grainger Hall

STUDENTS SELECT ONE OF TWO TRACKS OFFERED FOR YEAR 2 CURRICULUM – EITHER CREDIT ADMINISTRATION OR CREDIT ANALYSIS.

Course Description

The Year 2 Commercial Credit Analyst course is designed to illustrate the practices utilized to assess and assign the risks associated with a commercial loan. This will be accomplished by employing the 5 Cs of Credit to develop the analysis and the credit memorandum output associated with traditional commercial and industrial credit, and commercial real estate facilities.

Topics Include

  • Tax return and financial statement analysis
  • Ratio analysis
  • UCA cash flow analysis
  • Global cash flow build-up and analysis
  • Analysis of various types of collateral including real estate
  • Credit risk rating

Tools

Participants will learn skills and be provided tools to:

  • Understand and analyze tax returns and financial statements
  • Conduct a ratio analysis and learn to utilize ratios within credit presentations and periodic reviews
  • Understand the difference between EBITDA and UCA Cash Flow analysis and when to utilize each
  • Understand risk ratings of credit 
  • Understand the components of a thorough credit memorandum

Learning Objectives & Outcomes

After attending this program, participants will be able to:

  • Define the primary components of the balance sheet, income statement and cash flow statement
  • Perform analytical spreading of financial statements and tax returns
  • Calculate key financial ratios and identify financial trends
  • Develop a working knowledge of collateral valuation methods
  • Measure analyzed credit characteristics in order to assign risk rating
  • Compose a credit approval document

Audience

This course is intended for credit union staff interested in developing the skills required to complete financial analysis, assess associated risk, and construct a stand-alone credit approval document which enables readers to make a fully informed credit risk decision.

Prerequisites

Attending Year 1 and successfully completing the coursework and exam are required prior to registering for Year 2.

Designation Requirements

Attending Year 2 and successfully completing the corresponding exam is the second step required in attending all three years of the CUNA Business Lending Certification School to ultimately earn the designation.

Schedule

Monday – Thursday, 8:30 am – 5:00 pm – University of Wisconsin-Madison School of Business – Grainger Hall 

Course Description

The Year 3 Commercial Lending Finale course serves as the final year of the certification school and is designed to provide an opportunity for attendees to create, explore and design applications for integrating credit analysis, credit administration and business development concepts. The integration of these topics will establish the foundation for a successful commercial lending department within the attendee’s credit union. Through group activities, class participation and instruction, participants are exposed to methods that take a commercial transaction request from relationship building and prospecting through the decisioning process with the outcome being a well-managed commercial credit and commercial loan portfolio. The focus of this final year is synthesizing the various roles of business development, credit analysis, and credit administration which have been learned in Year 1 & Year 2 to now come together to apply skills and knowledge to contribute to managing a successful commercial loan department.

Topics Include

  • Building a portfolio that meets the mission and risk tolerance of your credit union
  • Creating credit presentations that satisfy the program in its entirety
  • Managing expectations of risk and portfolio growth
  • Integrating a solid credit philosophy within the organization
  • Beyond loans – What other products and services are needed for businesses?
  • Working with credit administration department and underwriters for common goals

Tools

Participants will learn skills and be provided tools to:

  • Integrate all aspects of the commercial transaction process
  • Create reasonable expectations that utilize the varied skills of all disciplines
  • Monitor outcomes across the program spectrum that identify and monitor success
  • Establish key elements of a high performing credit culture
  • Identify the importance and benefits of moving away from a transaction mentality
  • Identify the value of a high functioning program for both the credit union and the membership

Learning Objectives & Outcomes

After attending this program, participants will be able to:

  • Initiate an integrated approach to the commercial lending process
  • Build systems, processes and reporting that lead to accurate monitoring
  • Establish key policies needed for regulatory compliance
  • Establish balanced outcomes for commercial loan origination, administration and organizational goals

Audience

Year 3 brings the attendees from the specialized tracks of Year 2 together to contribute to the ongoing success of a high functioning commercial lending department. Attendees will include senior lending managers, commercial/business lending department managers, business development officers and credit analysts.

Prerequisites

Attending Year 1 & Year 2 (one specific track) and successfully completing the coursework and exams are required prior to registering for Year 3.

Designation Requirements

Attending Year 3 and successfully completing the corresponding exam is the third and final step required in attending all three years of the CUNA Business Lending Certification School to ultimately earn the designation.

Schedule

Monday – Thursday, 8:30 am – 5:00 pm – University of Wisconsin-Madison School of Business – Grainger Hall

Take a Closer Look at Commercial Lending Regulations, Rules & Guidance Pre-Conference Workshop

Come a day early to join the DFTC team as they take you down the regulatory, supervisory and interagency yellow brick road. At the Sunday pre-conference, we have the time to take a closer look at various resources available to help you both back at the credit union and to prepare you for the week ahead at the school.    

This framework provides credit unions with the toolbox for operating a safe, sound and functional commercial lending portfolio. Pre-conference attendees will:

  • Review and discuss important regulatory keys required for strong commercial policies and procedures.
  • Be armed with an understanding of government agency publications that can assist credit unions to ensure commercial lending risk management aligns with industry best practices.
  • Tackle examiner topics considered vital for a safe and sound commercial lending portfolio.
  • Explore what a credit union should expect from and how to benefit from independent commercial loan reviews and reviewer reports.

Come and bring your experiences to share with the group. We look forward to seeing you at the Sunday, pre-conference workshop! 

We care about your safety

CUNA strives to create safe, face-to-face events where Leagues, credit unions, and system partners can come together and learn from one another. We are in regular contact with event conference sites and local public health officials about the proactive measures they are taking to protect attendees' health and safety. Additionally, our staff closely tracks COVID-19 recommendations from the Centers for Disease Control and Prevention and will follow any applicable local and state guidelines.

We pledge to share updates and information as it becomes available and will communicate with registered attendees and our membership at large.