BAI Loan Review Certificate Program

5 STEPS TO EARNING YOUR BAI LOAN REVIEW CERTIFICATE

The comprehensive, five-step educational program will accelerate the development of your loan review staff, enhance the quality of reviews, and improve early detection of deteriorating loans, thereby contributing to the overall safety and soundness of the loan portfolio to pass regulatory scrutiny.

The BAI Loan Review Certificate Program is recommended for individuals with at least 18 months of loan review/portfolio analysis experience.

All courses may be taken without participation in the certificate program.

BAI CREDIT ANALYSIS SKILLS WORKSHOP (Optional)

BAI’s Credit Analysis Skills Workshop addresses the unique financial and non-financial considerations for credit analysis and other important factors critical to sound underwriting principles.

BAI LOAN REVIEW CERTIFICATE PROGRAM – COURSE I

BAI Loan Review Certificate Program Course I is designed to give attendees a solid foundation around several key components that make up a concrete loan strategy, including:

  • Purpose of Loan Review: What is it? Who needs it? Who does it?
  • Characteristics of a Sound Loan Portfolio
  • Loan Review Procedures
  • Identifying & Evaluating Sources of Repayment
  • Loan Classification Systems
  • Report Writing & Interpersonal Skills

An attendee may bypass Course I and enroll directly into Course II by taking and passing a Proficiency Test* with a score of 70 or above.


BAI LOAN REVIEW CERTIFICATE PROGRAM – COURSE II

BAI Loan Review Certificate Program Course II takes a more in-depth look into the Loan Review process. Additionally, Course II has the honor of hosting a high-level panel discussion featuring key regulators. This course provides the skills and guidance attendees need to complete the BAI Loan Review Certificate Exam, including:

  • Credit Risk Management
  • Risk Supervision and Monitoring
  • Loan Policy Compliance
  • Assessing Loan Quality
  • Evaluating the Credit Process
  • Loan Loss Reserve
  • Regulatory Viewpoint

BAI LOAN REVIEW CERTIFICATE PROGRAM FINAL EXAMINATION

Following completion of BAI Loan Review Certificate – Course II, attendees qualify to take the BAI Loan Review Final Examination*. This examination can be purchased through BAI Customer Service. The topics to be covered in this exam include:

  • Loan Review Policy & Procedures
  • Financial Statement
  • Cash Flow Analysis
  • Loan Documentation
  • Collateral Evaluation
  • Loan Classification
  • Individual Loan Evaluations
  • Risk Assessment & Loan Grading and Classifications
  • Loan Portfolio Analysis
  • Risk Assessment & Loan Loss Reserve Allocation
  • Credit Process Review
  • Written Communication Skills
  • Documentation Review
AWARD OF A CERTIFICATE IN LOAN REVIEW

A certificate will be awarded to those who successfully complete steps one through four. This signifies that the individual has attained a level of expertise in loan review that is recognized as the industry standard.

*A Certificate Application fee must be paid before ordering the Proficiency Test or the Final Exam.