T1. Commercial Loan Applications: This topic will describe the first steps in the commercial loan application process, which include assessing the borrowerÆs needs, taking the application, and providing all required disclosures.

T2. Documentation: This topic will focus on explaining all of the documentation that is necessary in the application process, which includes the application itself, along with disclosures to the borrower and documents from the borrower.

T3. Underwriting Guidelines: This topic will introduce the learner to the underwriting process and the underwritersÆ and processorsÆ involvement in income verification requests, preliminary approvals, counteroffers, declines, and exceptions.

T4. Analyzing Financial Information: This topic will familiarize the learner with the process of analyzing financial information, including the analysis of information provided on 1040s, personal statements, balance sheets, income statements, and more.

T5. Tax Returns: This topic will examine the different businesses required to file for tax reporting purposes, such as sole proprietorships, D/B/As, and C-Corporations.

T6. The 5 CÆs of Credit: This topic will provide the learner with an overview of the details, better known as the ô5 CÆs,ö to consider when making a credit decision: character, cash flow, capacity, collateral, and conditions.

T7. Tools for Establishing the 5 CÆs of Credit: This topic will discuss the tools available to commercial lenders when evaluating the borrowerÆs 5 CÆs of Credit: Credit bureaus and scoring, evaluations, and processes.

T8. Credit Bureaus: This topic will evaluate the purpose and usefulness of credit bureau agencies to lenders when considering a borrowerÆs acceptability.

T9. Reading Credit Bureau Reports: This topic will deliver further material concerning credit bureau reports and the appraisal of such information, which includes the borrowerÆs credit history, balance information, and more.

T10. Business Bankruptcy: This topic will include an introduction to bankruptcy, and the two major types for which business file.

T11. Commercial Loan Decisions: This topic will focus on how different loan decisions are communicated to the borrower; the possible loan decisions are approval, counteroffer, or decline.

T12. Closing Documentation: This topic will explain the loan finalization process, with information on closing documents for every loan and situation.