Advanced Commercial Credit Analysis (ACCA) is offered to enhance commercial credit analysis skills. The course focuses on intensive quantitative analysis that will allow examiners to effectively assess the credit risk of a commercial credit and determine an appropriate risk rating. The course includes lecture, interactive case studies and individual exercises to apply concepts discussed in the course. Case studies include commercial loan examples such as manufacturing, distribution, and leveraged lending. The content will NOT include real estate loan analysis.
This course complements Concepts in Advanced Credit. Some may find Cash Flow Construction from Federal Tax Returns has foundational information that would enhance concepts covered in ACCA.
Content is designed for examiners with experience reviewing large, complex commercial loans.
The length is five days.
| At-a-Glance | |
|---|---|
| Length | 5 days |
| Delivery | Virtual |
| Prerequisite/Pre-course | Yes |
| Continuing Education | Yes |
Target Audience
The course is intended for examiners who have experience reviewing large, complex commercial loans. The attendee should have a solid foundation in the analysis of business financial statements, basic accounting, and the sources and uses of cash.
Examples of the target audience include examiners who participate in shared national credit examinations or who review a variety of commercial and industrial loans on a regular basis that want to strengthen their credit analysis skills.
Objectives
Upon completion, participants should be able to:
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Upon completion, participants should be able to:
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Develop skills necessary to efficiently analyze and understand the underwriting logic associated with a senior debt transaction.
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Complete a qualitative and quantitative analysis of a business.
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Recognize the key credit risks and the mitigating factors associated with a senior debt transaction.
Pre-Course Assignment
Pre-course work includes reading and an assignment. Participants are required to submit the assignment prior to the class. The estimated completion time is six to eight hours.
If a refresher on financial statements ratio analysis is needed, it is suggested you complete the optional financial ratio calculation worksheet. The estimated completion time is two to three hours.
Continuing Education
Annually the class is assessed for continuing professional education credits.
2026 Approved Credit Hours: 28.8