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CBS · Core Banking System · USA

Certified Commercial Lending Professional

CCLP™ — 40 hours · 7 modules · 8 system simulators

The complete US commercial-loan lifecycle, taught on the real core-banking screens: introduce the products, originate the deal, underwrite the credit, document the collateral, book the loan, and service it to maturity — across LOC, CRE, equipment, construction, factoring, syndicated and trade finance.

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40hrsTotal duration
7Modules
8Simulators
100%Hands-on assessment
Practical simulator

Every concept is worked on a faithful recreation of the production CBS screens — real codes, fields and GL postings.

Real cases

One client universe (the Apex group) carried across products, so deals build on each other the way they do on a desk.

Participant interaction

Maker/checker roles, breach-and-remediate scenarios and live group walkthroughs — you operate, you don't observe.

Assessment that mirrors reality

Graded on the screens themselves via an end-to-end capstone deal, not a multiple-choice sheet.

Course outline

Seven modules, one deal lifecycle.

Introduction → origination → credit & underwriting → documentation → booking → servicing, plus a specialised-finance capstone. Each module names the exact simulators and screen codes you'll operate.

01 · Products02 · Origination03 · Underwriting04 · Documentation05 · Booking06 · Servicing07 · Capstone
MODULE 01
4HOURS

Introduction to Commercial Loan Products

Where each product fits in US commercial lending and how a deal flows end to end.

CoversWorking-capital vs term vs asset-based vs specialised lending; the product set — Revolving LOC, Term Loan A, CRE, Equipment, Construction, Floor Plan / Inventory, Invoice Factoring, Syndicated, Trade Finance LC; the deal lifecycle; roles (RM, credit officer, maker/checker); orientation to CBS.
OperateSimulator Lab tour, then a guided walkthrough of a live LOC / TLA deal — identify the structure on screen.
CaseThe Apex group as the running client universe.
CBSLOCTLA
MODULE 02
6HOURS

Loan Origination & Deal Setup

From borrower onboarding to a structured facility in CBS.

CoversBorrower KYC and party master (CLTPARTY); guarantors and RM / credit-officer mapping; facility master (CLTREDIT) — commitment, tenor, pricing, status; sublimit and tranche structure (CLTLIMIT) with live utilisation and availability; deal identification and WW- coding.
OperateStand up a new borrower and a revolving LOC with two sublimits, and watch availability recalculate live.
CaseApex Communications revolver.
CLTPARTYCLTREDITCLTLIMIT
MODULE 03
8HOURS
Core skill

Credit Analysis & Underwriting

Spread, normalise, test policy, and price for risk.

CoversThree-year financial spreading; NOI normalisation (CRE T-12) and EBITDA normalisation (Equipment); ratios — DSCR, LTV, debt yield, FCCR, leverage, current ratio; underwriting policy compliance; risk-adjusted pricing and RAROC; stress testing; intro to CECL / ACL.
OperateSpread a CRE T-12, normalise NOI, compute DSCR / LTV / debt yield, run a stress scenario, and derive RAROC-based pricing.
CaseA stabilised CRE property.
CRE T-12EBITDA_NORMRAROCCECL
MODULE 04
6HOURS

Documentation, Collateral & Credit Approval

Collateral, perfection, and the credit approval memo.

CoversOBELCM collateral — 25 types, haircuts, revaluation (SLD vs WDV), pool builder, release workflow, perfection tracking; UCC-1 / PMSI; the seven-section Credit Approval Memo (executive summary → recommendation); term sheets; documentary discipline from Trade Finance (Field 46A, UCP 600).
OperateRegister collateral, apply haircuts, confirm perfection, then build a full CAM and issue a recommendation.
CaseAn equipment + guarantee collateral package feeding a CAM.
OBELCMUCC-1 / PMSICAM
MODULE 05
6HOURS

Loan Booking & Transaction Processing

Move money with the correct approvals and GL impact.

CoversDrawdown (OLDTRONL:21) — availability check, rate reset, GL entries (DR Loans / CR Nostro); maker/checker approval; repayment (OLDLIQD / OLDPMNT) — voluntary, scheduled, mandatory; interest accrual (ICCF) — ACT/360 vs ACT/365; fees and unused-fee; borrowing-base certificate gating availability.
OperateProcess a maker/checker drawdown, then a scheduled repayment with interest, and reconcile the GL.
CaseApex draw against an AR borrowing base.
OLDTRONL:21OLDLIQDICCFARBBCERT
MODULE 06
6HOURS

Loan Servicing & Portfolio Management

Keep the loan alive and compliant after booking.

CoversRevolving-cycle mechanics and running balance; the annual clean-up / zero-out test; covenant compliance (CREDCOVENANT) — FCCR, leverage, current ratio, pass/fail; construction draw management and budget tracking; CRE reserves and DSCR re-certification; ongoing CECL / ACL; loan-modification analyser (ASU 2022-02); amendments, renewals, extensions.
OperateTrigger and remediate a covenant breach, process a construction draw against budget, and re-certify DSCR.
CaseA construction loan mid-build with a covenant breach.
CREDCOVENANTCLTDRAWASU 2022-02
MODULE 07
4HOURS

Specialised & Structured Finance + Capstone

Complex products, then one deal start to finish.

CoversSyndicated loans — tranche structure, lender registry, payment waterfall, agent role; floor plan / inventory — trust receipts, curtailment, audits; invoice factoring lifecycle; Trade Finance LC end to end (MT700 → MT754, discrepancies via MT734); then a capstone running a single deal through origination → underwriting → documentation → booking → servicing.
OperateCapstone deliverable: a deal taken from setup to first drawdown to a covenant test, with a CAM — plus the shareable knowledge quiz.
SyndTrakFloor PlanTFLCCapstone
Certification

Pass on the screen, not on paper.

The CCLP™ is awarded on a graded end-to-end capstone deal in CBS plus the knowledge quiz — proof you can run a facility, not just describe one.

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