Commercial/Multifamily Borrower Credit and Financial Analysis Starts June 3
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About the Event
Commercial/Multifamily (CMF) Borrower Credit and Financial Analysis is designed to provide participants with the foundational skills needed to evaluate a borrower’s organizational structure, financial condition, and overall mortgage credit risk in commercial/multifamily lending. This course focuses on the practical analysis lenders use to assess borrower strength and support sound underwriting decisions.
The course begins with Borrower Organizational Structures, where participants examine common ownership and organizational structures used in commercial/multifamily transactions. Emphasis is placed on understanding ownership layers, control, and how organizational structure affects credit risk and lender review. In Financial Statement Analysis, participants learn how to review and interpret the primary financial statements used in mortgage credit analysis. The course covers income statements, balance sheets, and supporting documentation, with a focus on identifying trends, assessing financial performance, and evaluating the reliability of borrower-provided information.
The third lesson, Balance Sheet Analysis and the REO Schedule, focuses on analyzing a borrower’s assets and liabilities in detail. Participants learn how to review real estate owned (REO) schedules, evaluate contingent liabilities, and calculate key liquidity and leverage ratios used in commercial/multifamily underwriting.
The course concludes with Evaluating Borrower Mortgage Credit Risk, integrating organizational structure and financial analysis into a comprehensive borrower assessment. Participants apply underwriting concepts to evaluate overall borrower strength and develop a mortgage credit recommendation from a lender’s perspective.
Format:
Instructor-led online course delivered over four weeks
Live instruction combined with guided case study analysis
Weekly homework assignments aligned to each lesson
Final online exam
Intended Audience:
Loan originators and loan processors
Loan analysts and underwriters
Loan closers
Servicers
Professionals in related fields such as appraisal, law, accounting, marketing, or other areas of commercial/multifamily real estate seeking a foundational understanding of commercial/multifamily valuation
Experience Levels:
Foundational
Program Schedule:
Week 1:
Wednesday, June 3 (1:00 – 3:00 PM ET)
Week 2:
Wednesday, June 10 (1:00 – 3:00 PM ET)
Week 3:
Wednesday, June 17 (1:00 – 3:00 PM ET)
Week 4:
Wednesday, June 24 (1:00 – 3:00 PM ET)
** Webinars may vary in duration depending on the subject matter**
