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Certified Lender Business Banker (CLBB)


Certified Lender Business Banker (CLBB)


Searching for CLBB training? Then you've come to the right place!

Bank Training Center offers CLBB training and certification information for those individuals interested in earning the prestigious Certified Lender Business Banker certification.

The Certified Lender Business Banker (CLBB) certification is the undisputed professional credential for financial services professionals whose primary function and expertise focus on the provision of credit and financial transaction services to businesses and/or corporations.

The CLBB designation signifies that an individual working in this field has attained comprehensive training in the following professional knowledge areas: Credit Analysis, Laws, Regulations & Ethics, Products & Services, Loan Structuring, and Problem Assets.


Curriculum

Candidates must pass an examination that covers the knowledge areas below:

Credit Analysis (35% of the exam)
Accounting, evaluation of repayment ability (using historic and projected financial information in addition to non-financial factors such as management ability, ownership and organization), cash flows, collateral and guarantees.

Legal, Regulatory and Ethical Issues (10% of the exam)
Federal laws and regulations, the Uniform Commercial Code, lender liability, environmental liability, bankruptcy and ethics.

Banking Products, Business Development & Services (15% of the exam)
Both credit and non-credit products and services that relate to business customers as well as identification of prospects and sales/negotiation techniques.

Loan Structuring (30% of the exam)
How to identify and select appropriate loan structures, repayment sources, pricing, collateral, covenants and conditions, documentation and credit enhancements.

Problem Assets (10% of the exam)
Recognition of the "early warning" symptoms of problem assets, how to develop workout strategies, how to re-evaluate collateral, how to classify a loan as well as allocation parameters for reserves and bankruptcy repercussions.


Examination Requirements

The qualifying exam consists of 150 multiple-choice questions; three hours is provided in which to complete the exam. Candidates may retake the exam if they do not pass; the exam re-take fee is $150. Candidates have the option of taking the exam in one of two formats:
  • A proctored exam at the candidate’s company, with an ICB-certified member serving as exam proctor
  • At an exam site that is within 2 hours driving time from the candidate's company

Additional Requirements

Candidates must meet the experience, education, ethics and examination requirements determined to be competency measures for retirement services professionals:
  • Professional Experience & Education - must meet one of the following requirements:
    • A minimum of two (2) years experience in lending and completion of an ICB-approved commercial lending training program; or
    • Three (3) years experience in lending and a Bachelor's degree; or
    • Five (5) years experience in lending

  • Professional Reference - One letter of recommendation from a senior manager attesting to your qualifications for certification including your lending experience as well as your ethical character is required

  • Ethics Statement - Each candidate must sign ICB's Professional Code of Ethics statement, which is the last page of the application

  • Application – Candidates must complete and submit an application, affirming that they comply with the eligibility requirements at the time of submission; application fee is $295, covers exam as well

Continuing Education Requirements

Each certificant must complete thirty (30) credits of continuing education every three (3) years. Certificants are allowed to carry over up to ten (10) credits per three-year cycle.

An annual membership fee of $199 also is required to keep certification active.



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