Commercial Lending Academy

This year, 2020 - marks the 21st year that the Minnesota Chapter of the Risk Management Association held a Commercial Lending Academy (CLA). Since the program's inception, over 450 lenders, credit analysts and financial industry professionals from more than 95 institutions in the Midwest have graduated from the Academy. Our program provides a comprehensive overview to the various aspects of the commercial loan underwriting and management process.


Topics covered:

  • Brief Accrual Accounting Review
  • Financial Statement Analysis
  • Common Size Analysis
  • UCA® Cash Flow Statements–Construction
  • UCA® Cash Flow Statements–Basic Analysis Techniques
  • UCA® Cash Flow Statements–Advanced Analysis Techniques
  • Qualitative Risk Assessment
  • Income Statement and Balance Sheet Forecasting
  • Cash Budget and Cash Flow Statement Forecasting
  • Assessing the Reasonableness of Forecast Assumptions
  • Loan Structure
  • Regulatory Panel
  • Lender Liability Panel
  • Mock Credit Committee Presentations

The below indivduals are graduates of the 2020 Commercial Lending Academy.

    1. Charlie Callahan, Fidelity Bank
    2. Vanessa Carneiro, Cargill Financial Services
    3. Yee Chang, Frandsen Bank & Trust
    4. Nicole Clark, Choice Bank
    5. Philip Clark, Compeer Financial
    6. Katie Donnelly, Compeer Financial
    7. Steve Eckerman, Compeer Financial
    8. Becca Frericks, Highland Bank
    9. Drew Gauwitz, North Shore Bank of Commerce
    10. Rhett Gereau, North Star Bank
    11. Bethani Gregg, Fidelity Bank
    12. Megan Irlbeck, Minnwest Bank
    13. Jeanne Kassim, Western Bank
    14. Amanda Loescher, MidWestOne Bank
    15. Lauren Luthro, Crown Bank
    16. Jay Monson, Platinum Bank
    17. Torry O'Brien, MidWestOne Bank
    18. Kelsey Otte, Compeer Financial
    19. Tracy Reierson, Compeer Financial
    20. Tyler Resner, First National Bank Minnesota
    21. Ty Rohloff, Compeer Financial
    22. Cortney Tessier, U.S. Bank
    23. Leah Thiele, Compeer Financial
    24. Andrew Vomhof, Western Bank
    25. Karly Zeller, MidCountry Bank


Please check back again soon.