Basic Credit Analysis
Online
Monday, August 11, 2025
- Wednesday, August 13, 2025
iCalendar
Central Standard Time
LIVE Daily Presentation: 11:00 am-4:30 pm Eastern | 10:00 am-3:30 pm Central | 9:00 am-2:30 pm Mountain | 8:00 am-1:30 pm Pacific
*Students will take a break from Noon-1:30 pm (central), each day.
Registration Deadline: August 7 (or until sold out)
Fee (per person*):
$915 Mbr, $1,400 Non-Mbr
Government Rate: Contact NAGGL >
* Your registration fee covers one connection, for one individual
Using plenty of examples, this course walks students through core credit analysis concepts, including an exploration of ratio analysis, analyzing projections, understanding cash flow, determining repayment ability, preparing the credit memo to meet SBA requirements – and more. SBA mandates debt service coverage ratios and the agency’s oversight arm continues to focus on lenders' underwriting practices. This course helps you understand underwriting the ‘SBA way’ to avoid potential pitfalls that can put your SBA guaranty at risk.
On the Agenda
• Review of Recent Policy Changes
• Introduction to Lending
• Evaluating the Loan Request
• Financial Statement Basics
• Analyzing Financial Statements
• Assessing Projections
• Analyzing Cash Flow
• Assessing Working Capital Adequacy
• Preparing the Pro Forma Balance Sheet
• Evaluating Management
• Determining Collateral
• Writing the Loan Report
• Avoiding Common Errors
Suggested Prerequisite: Understanding the SOP 50 10
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Other Information
• After registration deadline, the fee per person increases by $150.
• Attendees will receive access to a secure portal prior to the course start date that includes course login information and the digital materials to download.
• Course will feature exercises, group discussions and course interactions -- just like you’d experience at the in-person training.
• Attendance will be taken each day, and if applicable, you will receive diploma credit for attending the virtual course.