Analyze & Evaluate Bank Branch Lending Operations

Overview

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Learners will analyze bank branch lending operations, evaluate borrower creditworthiness using the 7 C’s of Credit, interpret key financial ratios such as LTV and DSCR, and assess lending risks including credit, market, liquidity, and operational risk. They will also examine syndicated loan structures, compare major credit facilities, and apply customer due diligence and collateral evaluation frameworks used in modern banking. This course provides a structured, end-to-end understanding of the lending lifecycle—from loan origination and underwriting to documentation, servicing, and risk governance. Through practical examples such as LIBOR-based interest calculations, revolving facilities, PIK structures, and loan-to-value analysis, learners gain applied knowledge relevant to real-world bank branch management. What makes this course unique is its integrated approach: it combines lending operations, structured finance, compliance, and risk management into one cohesive learning journey. By completion, learners will be equipped with industry-relevant skills essential for careers in retail banking, corporate lending, credit analysis, and bank branch management.

Syllabus

Foundations of Lending Operations & Credit Evaluation

This module introduces the core concepts of bank lending operations, including secured and unsecured lending, the 7 C’s of Credit, and the structured stages of the lending process. It explains how banks originate, underwrite, document, and service loans while applying key principles such as safety, liquidity, profitability, and diversification. Learners gain foundational knowledge of how lending decisions are made and how risk is evaluated in retail and corporate banking environments.

Syndicated Lending & Loan Facilities

This module explores advanced lending structures including syndicated loans, bilateral arrangements, and various credit facilities offered by banks. It explains how loans are syndicated, the roles of arranger and admin agent, types of syndicated deals, LIBOR-based calculations, and practical examples of revolving credit, term loans, overdrafts, letters of credit, and PIK facilities. Learners develop applied understanding of structured finance and loan facility management.

Loan Lifecycle, Risk & Governance

This module focuses on the end-to-end loan lifecycle, underwriting analysis, risk management frameworks, and regulatory compliance practices in banking. It covers customer due diligence (CDD), Customer Acceptance Policy, key financial ratios such as LTV and DSCR, categories of banking risk, collateral evaluation, and UCC filing procedures. Learners gain a structured understanding of governance, compliance, and risk mitigation in modern bank branch lending operations.