This course provides an in-depth examination of lending, with an emphasis on commercial credit. It will closely follow the Credit Essentials Course from the Risk Management Association, with the goal of preparing students for the Credit Essentials Certificate Examination through RMA at the end of the semester. Topics will include identifying customer needs, analyzing financial statements, loan structuring and documentation, and problem loan identification. Prereq: FIN 320. Prereq or Coreq: College of Business major, minor or certificate and a 2.50 minimum NDSU grade point average.