SME and small business lenders play an important role in a financial institution's loan origination and credit approval process. To succeed, they need to maximize the likelihood of repayment by identifying the appropriate type and amount of credit, and proactively managing risks throughout the lending process.

Small Business Lending leverages Moody’s credit analysis and risk management expertise, providing participants with a comprehensive curriculum that develops their technical skills and teaches best practices for evaluating the three core areas of credit analysis: financial performance, industry and business risk, and management strength.

This course is on the pathway to the globally recognized Certificate in Small Business Banking (CSBB).

• Assess the financial condition of small and medium enterprises
• Calculate and interpret liquidity, solvency, and debt service coverage ratios to identify critical credit risks
• Interpret and analyze business cash flow to assess debt service capacity
• Evaluate the economic, industry, and market risks and trends that could impact financial performance
• Assess management integrity, employee skill set, and corporate governance
• Make sound, defensible lending decisions

• You will remain engaged in training, thanks to our interactive, multimedia lessons and quizzes
• You complete module-level pretests that will help you identify where to focus your studies
• You elevate your professional skills by completing a course from a globally recognized leader in the credit training space