Commercial Banking & Credit Analyst (CBCA)™

Certification Program

CFI’s Commercial Banking & Credit

Analyst (CBCA)™ Certification Program
31 total courses (18 required)

covers the most critical knowledge and skills

required to become a competent credit Recommended study time of 60 - 100 hours

analyst including financial analysis, credit

evaluation and documentation, 50+ downloadable templates

management and business analysis, risk Average completion time of 4 months

management, and industry analysis.

How It Works

100% online; learn Complete case studies

at your own pace for different stages of a
credit application

18 required courses Earn a minimum

(15 core, 3 electives) passing grade of 80% in
each course assessment

Common Career Paths

Origination

Commercial Banking
Corporate Credit
Analysis
Client
Business Banking
Relationship
Discovery
Credit Evaluation

Corporate Banking
Credit
Real Estate Lending
Workflow
Insurance
Underwriting
Risk Management

Closing Due Diligence

Rating agencies Treasury

Proposal /
Underwriting

Click to learn more at cfi.to/cbca

 Commercial Banking & Credit Analyst (CBCA)™
Certification Program

All Courses Curriculum Topics

Prep Courses (optional)

Fundamentals of Credi
1. Financial 2. Credit 1. Financial Analysis











Accounting Fundamentals Analysis Evaluation &

Forms of Business Structur Documentation ●


Margins, ratios, trends,

Introduction to Bankin
profitability, cash flow, leverage

Banking Products and Service

IBISWorld Fundamental ●



Key lending ratios: working

capital ratio, debt to equity ratio,
Core Courses (required)











debt service coverage ratio

Professional Ethic ●


Income statement, balance

5 C’s of Credi
Financial Analysis Fundamental sheet, cash flow statement

Building a 3 Statement Financial 5. Industry 3. Management

Analysis
●



Levels of financial reporting:

Mode & Business
Reading Business Financial 4. Risk Analysis audited, review engagement,
Management notice to reader

Informatio
Assessing Drivers of Business ●

Business taxation

Growt
Evaluating a Business Pla
Assessing Managemen 3. Management and Business
2. Credit Evaluation and
Cash Flow Cycles and Analysi
Loan Securit Documentation












Analysis






Loan Covenant Business structures: sole

Credit Administration and
●


Covenants: positive vs negative; ●





Documentatio financial vs. non-financial

proprietorship, partnership,
Account Monitoring and Warning corporation, limited liability
●



The stringency of financial

Sign companies, franchises, joint
Business Writing Fundamental
statements: NTR vs. Reviewed
venture

Completing a Credit Applicatio vs. Audited

Business lifecycle

Credit risk rating considerations

Electives (minimum of 3 ●

Competitive advantage

required)



●



Cash flow considerations:

revenue, COGS, margins, A/R, ●

Ansoff growth matrix

Commercial Banking – Debt

Modelin
Inventory, A/P, CapEx
●

SWOT analysis

Loan Pricin ●


Credit considerations: debt level, ●


Management assessment
Lending to Complex Structure
interest rates, expansion plans
framework

Syndicated Lendin
How to Read a Real Estate Lease ●

Account review procedures

PESTEL analysis

and Analyze a Rent Rol

Construction Finance Fundamental
●

Hax’s delta model

Equipment Financ 4. Risk Management

Commercial Mortgage
Real Estate Fundamental
●

Loan security
5. Industry Analysis

Retail, Restaurant, & Franchise Direct & indirect security

●
●

PESTEL analysis

Lendin
●

GSA vs guarantee vs. collateral

●

Porter’s five forces

Skill Practice ●

MAST
●
Industry life cycle
Case Study - Woodchucks Ltd. ●
Account monitoring
Owner Occupied Commercial Real
Estat
Case Study - RockCrusher Rentals

Learn more at cfi.to/cbca

Learn more at cfi.to/cbca