CSI will be performing system maintenance on Saturday April 13th from 5 a.m. until 1 p.m. ET. You will not have access to your “myCSI” student account, nor will you be able to book, cancel or reschedule exams during this time. You can still access your online course materials by visiting connect.csi.ca then connecting to “Blackboard Learn”.

What is the course syllabus?

Upon completion of the Commercial Lending course, learners will gain a deeper understanding of businesses and their borrowing needs, evaluate risks, and make good credit decisions. Topics include:

Financial Risk Assessment

  • Credit Analysis Foundation
  • Businesses and Their Borrowing Needs
  • Profitability Ratios
  • Activity Ratios
  • Capital Spending, Leveraging, and Debt Coverage
  • Cash Flow Analysis
  • Projections and Credit Risk Assessment

Market Risk Assessment

  • Credit Analysis Foundations
  • Business Environment
  • Industry Status
  • Competition
  • Company Vulnerability

Management Risk Assessment

  • Credit Analysis Foundations
  • Management Integrity and Scope
  • Management Skill and Execution
  • Management Scope

Mitigating Risk Assessment

  • Credit Enhancements and Profitability
  • Projections and Credit Risk Assessment

How will you learn?

The course is taught online and is composed of 18 modules representing the topics of study. Each module consists of:

  • A module introduction video to highlight the key concepts taught.
  • A diagnostic test to help you identify areas where you should focus your studies.
  • 2 to 4 interactive lessons (video/games), each estimated to take 20 to 30 minutes. Each lesson ends with a quiz to help reinforce the concepts reviewed in the lesson.
  • An end-of-module online exam, to test your mastery of the principles in the module.

Simulation exercise: The simulation assesses the lenders’ ability to apply what they’d learned by working through a real business lending scenario. You are required to gather data, analyze credit risk and recommend a loan decision and structure, and then compare your decisions and recommendations with those of an expert.

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