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The Six Cs of Credit: How a Banker Decides If You Get a Loan
Linda Keith
Copyright© 2013

Course: 3101119   Version 1304

NASBA Category:     Finance     CPE Credits 2
Level: Basic    Run Time: 1.0 Hours
Prerequisite: There are no prerequisites.
Advance Preparation: None.



Course Description
When it comes down to it, a lender has to recommend a business loan based on limited information. Lenders have three questions:
  1. Will the borrower pay if he or she can?
  2. Does it look like he or she can?
  3. What if I make the loan and he or she can’t pay?
Linda Keith is an experienced CPA, business owner, bank consultant, and lending trainer. She’ll walk you through the “Six Cs of Credit,” criteria lenders use to decide on any loan request. Lenders will look for clues to these criteria in everything the borrower says, does, and provides. When you understand the criteria, you can improve the quality of the information provided and the likelihood of a “yes” on the loan.


Table of Contents

Learning Objectives
Upon successful completion of this course, participants will be able to:
  • Describe each of the criteria referred to as the Six Cs of Credit.
  • Explain why a misstep on the first “C” will kill the loan.
  • Identify the underlying question the banker tries to answer for each criteria.
  • List the sources lenders use to get information about each.
  • Recognize the clues in tax returns and financial statements.good and bad.
  • Advise your client as to what not to say, what to say, and how to say it in conversation with the lender.




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