Lender’s Online Tools and Training

What a good idea. Loan tools and training at your fingertips.

Online training to improve loan quality and reduce travel and down-time while receiving tax return and financial statement analysis training specifically geared for bank and credit union lenders. An eWorksheet and eChecklist that improves consistency and provides support for good loan decisions.

Here are your choices:
 • Subscribe to our eCourses for analysis and business topics helpful to lenders
 • Purchase our eWorksheet for cashflow analysis of business and personal tax returns
 • Purchase our eChecklist to customize and document guidelines for credit analysis

eCourses

Take the quick half-hour you can grab from your busy schedule and improve your lending ability. Then when you have a question, pop back to the eCourse to refresh. This is eLearning at it’s finest.
 • Newer lender? Learn the basics or learn them better
 • Experienced lender? Fill in the gaps and gain the added understanding to get loans through in today’s tougher environment
 • Work out a learning plan to add to your knowledge base
 • Decide what your next job at the bank or credit union will be and prepare ahead
 • Refresh knowledge gained in face-to-face tax return or financial statement analysis training or preview for upcoming training
 • Understand the numbers – even if you’re not ‘a numbers person’
 • Look up what you need when you need it
 • Have more knowledgeable, illuminating and relationship-building conversations with your business and business-owner borrowers

Financial Institution – Premium: $1,297/month
Sign up now…   Get the details…

Financial Institution Subscription
 • Standard Option: $797 Sign up now…

 • Monthly subscription for your financial institution for up to 50 users. (See below if more than 50 lenders to enroll.)
 • Lenders can take and retake all eCourses as often as they like
 • Lenders can email quiz results to manager or training department to document their progress
 • With no minimum subscription period you may cancel at any time
 • Continue to use the pre-paid subscription through the end of the period in which you cancel

 • Premium Option: $1,297 Sign up now…

 • Add a Learning Management System
 • You have full access to add and delete lenders from system
 • Reports quiz results and activity of each lender
 • Excellent documentation for regulators showing availability and usage of loan training on tax return and financial statement analysis and other lending and professional skills

Call Kimberly at 888-441-1569.
 • More than 50 lenders to enroll?
 • Need more information?
 • Want to pay by check?
 • Would you like us to invoice your company?

[back to top]

eWorksheet

Works with AGI Method and Schedule Analysis Method – $95.00 per user
Order worksheets now…
Take a test drive…

Make it easy on yourself! Our tax return cashflow analysis worksheets:

 • Do the math right, every time and include built-in help pop-up boxes
 • Provide excellent documentation and consistency among lenders
 • Are Excel-based so you don’t have to learn a new software
 • Include 1040, Sch C, Rentals, 1065, 1120, 1120S in one workbook for a global analysis
 • Can be used for the business alone or the business and owner combined
 • Integrate with the reference manuals for a complete solution
 • Are the same worksheets used in our live training on tax return analysis

Customize it:

You’ll choose the 1040 worksheet that fits your guidelines, AGI or SAM.

You use the Schedule Analysis Method (SAM) if you list each type of income separately such as wages, interest, and business. Linda recommends the SAM approach for more complicated borrowers.

Instructions included to:

 • Remove the 1040PG1 worksheet (AGI or SAM) that you do not need
 • Customize to include your company-required adjustments
 • Use the blank worksheet to include your own guidelines
 • Re-save as your own read-only template file

Order worksheets now…
Take a test drive…

[back to top]

eChecklist

Income Documentation and Analysis Checklist – $279.00
Order checklist now…
See a sample…

Every Chief Lending Officer I talk to tells me the banking regulators are getting tougher. And with the more turbulent economic conditions likely to cause challenges for business borrowing even into the recovery, it is time to take a fresh look at analysis guidelines.

Add to that the likelihood that you have acquired, merged, or added significant numbers of lending staff who are used to some other set of guidelines, and this tool will cover a lot of ground.

Customize it:

Review the documentation listed and revise it for your loan guidelines. (Call us if you need help with this step. The cost includes a one hour customization consultation. We have a few suggestions!) You may also add additional sheets for your policies, such as:
 • Required Debt Coverage or Debt-to-Income Ratios
 • Guidelines for Guarantors based on % ownership
 • Documents required other than tax returns

Distribute it:

When you have completed the document, save the ‘Income Documentation and Analysis Checklist’ password-protected. Then make it available to all:

When you hire new staff in those roles, even if they are well-versed and experienced in credit analysis, be sure to provide this document early on so they can be consistent from the start.

Share it:

Don’t forget to share it with your regulators. They’ll be impressed, especially when their review shows that the lenders are following the well-thought out, thorough and clearly communicated guidelines! The fact that you have reviewed and revised your guidelines since the start of this recession will be a plus. (I have a background as an Examiner for the State of Washington so I know how they think.)

Order checklist now…
See a sample…

[back to top]

Subscribe to our eCourses and purchase our eWorksheet and eChecklist now to improve loan quality and consistency, make good loans and make more of them.