Commercial Lending Academy

The MN Chapter, Risk Management Association made the tough decision not to host a Commercial Lending Academy in 2021. Based on the results from a recent survey asking about an in-person, virtual or a hybrid delivery format, it was determined it would not be logistically feasible to predict possible attendance while planning for the necessary safety precautions and providing the high quality learning experience our members have come to expect during the uncertainty of the pandemic environment. We look forward to resuming CLA in 2022.

If you have any questions, please feel free to contact us at

Take care.

Commercial Lending Academy Committee
RMA, Minnesota Chapter


Topics Typically Covered at the Commercial Lending Academy:

  • 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.


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