COURSE 01 DESCRIPTION
Explore the dynamic landscape of Commercial and Business Lending in Australia in this comprehensive course. Gain insights into regulatory bodies, lender types, risk assessment, and financial analysis. Equip yourself with the knowledge and tools to navigate this industry successfully.
WHO IS THIS COURSE FOR?
This course is designed for finance brokers interested in understanding the intricacies of commercial and business lending in the Australian market.
COURSE LEARNING OUTCOMES:
By the end of this course, you will:
- Understand Australian lending regulations and industry bodies.
- Differentiate lender types and lending categories.
- Evaluate creditworthiness using the “5 C’s of Credit.”
- Mitigate lending risks and assess financial viability.
- Navigate the loan approval and settlement process.
- Effectively manage ongoing client relationships.
COURSE 02 DESCRIPTION:
Discover the ins and outs of basic commercial property and trading business finance, including SMSF lending. This course is an addition to the overall basics course but dives in on a few specific areas so you can increase your skillset when lending for these specific transaction types.
WHO IS THIS COURSE FOR?
This course is designed for finance brokers interested in understanding the intricacies of commercial and business lending in the Australian market. It assumes that you have a knowledge of basic lending principles, and mortgage lending and have completed the background to commercial and business lending course.
COURSE LEARNING OUTCOMES:
By the end of this course, you’ll:
- Grasp the fundamentals of commercial loans and business transactions.
- Understand the specifics of lending for Commercial Property and business finance.
- Navigate the complexities of SMSF lending.
- Enhance your expertise in credit assessment and loan pricing.
COURSE 03 DESCRIPTION:
Introduction to Relationships with Lenders, Networking and Growing Your Commercial and Business Lending Brokerage.
The Lender Relationship.
- How do I get accredited?
- PI Insurance for your business.
- Building your Business Banking relationships and why it is important
- Building an internal Banking Network.
- Being Prepared.
- Lender Resources.
Commercial Finance Income.
- Claiming Commission.
- Commission Split – Upfront and Trail
- Commission Amounts and Percentages.
- Clawback.
- Engagement Fee / Mandate Fee.
The Client Relationship.
- Introduction to the Client Relationship.
- Managing Client Expectations.
- KYC and AML.
- Client Communication and Addressing Questions whilst managing Priorities.
Your Business.
- Identifying Lending Opportunities.
- Passive Opportunities.
- Active Opportunities.
- Finding a Niche.
- Client Interview for Commercial Lending.
- Sourcing business.
- Referral Sources.
- Networking Events.
- Traditional Marketing
Curriculum
- 31 Sections
- 33 Lessons
- 26 Weeks
- Course 01: Module 01: Regulators And Industry Bodies1
- Course 01: Module 02: Types Of Lenders1
- Course 01: Module 03: Differences Between Business Lending And Commercial Property Lending1
- Course 01: Module 04: Entities And Ownership1
- Course 01: Module 05: The Commercial And Business Loan Process1
- Course 01: Module 06: 5 C’s Of Credit1
- Course 01: Module 07: Character: Management Assessment And Business And Industry Assessment1
- Course 01: Module 08: Capacity, Collateral, And Capital1
- Course 01: Module 09: Conditions And Covenants: Risk Mitigation1
- Course 01: Module 10: Financial Assessment1
- Course 01: Module 11: Valuations Introduction1
- Course 01: Module 12: Deal Appetite/Scenario, Broker Notes, And Submission Of Deal1
- Course 01: Module 13: The Approval And Settlement Process1
- Course 01: Module 14: Ongoing Client Management And Support1
- Course 01: Assessment1
- Course 02: Module 1: Use Of Commercial And Business Loans1
- Course 02: Module 2: Loan Products1
- Course 02: Module 3: Security, Types, Commercial Leases And Valuations2
- Course 02: Module 4: Interest Rates And Loan Pricing2
- Course 02: Module 5: Commercial Property Credit Assessment2
- Course 02: Module 6: Business Lending Specific Credit Assessment3
- Course 02: Module 7: SMSF Lending Specifics2
- Course 02: Module 8: Helping Clients With Repayments And Managing Their Accounts1
- Course 03: Module 01: Introduction / The Lender Relationship1
- Course 03: Module 02: Commercial Finance Income / The Client Relationship1
- Course 03: Module 03: Your Business1
- Course 03: Module 04: Sourcing Business1
- Assessment1
- Module 04: Term Sheet1
- Module 05: Broker Note Template with Linked Consumer Lending1
- Module 06: How to use Debt servicing Table1
