FIN 460 Commercial Lending

This course offers students an introductory look into the structure of modern banking, emphasizing the role of commercial lending in achieving economic stabilization goals. Students will explore foundational concepts such as risk assessment and financial statement analysis crucial for evaluating credit quality. The curriculum covers loan structuring and cash flow techniques, the 5 C's of credit (character, capacity, capital, collateral, and conditions), and regulatory frameworks influencing banking operations. Additionally, the course introduces methods for predicting portfolio credit performance and managing risks associated with commercial real estate lending. This course prepares students for careers in commercial banking by equipping them with both theoretical knowledge and practical skills in credit analysis and loan management.