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The Commercial Credit Certificate (CCC) has been designed to prepare individuals to begin or advance careers in commercial banking—particularly in positions related to commercial credit and underwriting.
Its curriculum is the result of the collaboration between several financial institutions and the University of Houston-Downtown. Commercial credit executives from several national and regional banks and the College of Business faculty created a working group to identify the basic concepts, tools, and techniques that lending professionals need for making informed decisions in the highly dynamic commercial lending environment.
The program has been structured to prepare individuals to gain the understanding and abilities required by bank professionals to bring in qualified business to a financial institution. Credit managers, credit analysts, corporate relation managers, commercial middle market officers, business banking specialists, business associates, commercial relationship managers, commercial lenders, store managers, and lending new hires will benefit from completing the Commercial Credit Certificate.
"I enrolled in this program to grow in my understanding of what loan officers look for when prospecting and evaluating a deal. I enjoyed the conversation from Dr. Verma in attempts to make the information easy to understand and applicable. I gained understanding of what is important information from the financial statements, and what the credit underwriter expects the banker to understand and have answers for. I would recommend the program to other banking professionals in order to gain some familiarity of what goes on in the loan process."
“I am very happy with my experience in the CCC program. I got a lot out of it and gained a lot of knowledge throughout the entire course that was all very enjoyable. I am very new to the commercial banking industry and I was recently hired on as a Credit Analyst with little financial background. It seemed that my less than one year banking experience was of the smallest amount of experience in the class. The CCC program has helped me very much to become more knowledgeable of the banking industry in many different ways. I am more confident in my abilities as an analyst. I believe that the CCC program has helped me become more qualified for my position. I will definitely recommend this program to other banking professionals for the reasons stated above that have benefited me.”
"I am very happy I took this course as it surpassed my expectations. I think it was very well organized and I would definitely recommend it to other professionals as it teaches you how underwriters think about extending credit and what they look for."
“I am a new Commercial Relationship Manager and wanted to build my skills around credit analysis and on expectations of credit committees.”
“Overall I am glad that I enrolled for the class, I have mentioned to several of my colleagues of this class and why they should enroll. I had been looking for this type of certification for several years and was happy to have come across the program.”
“I am looking to be a Business Relationship Manager but new to commercial credit. I took this certification program to learn more about how to understand credit and utilize it to help our customers with their credit needs. I would highly recommend this program to whoever is looking to get their feet wet with credit and add this certification to their resume. Thank you to Dr. Verma and his team for your support and time!”
"Thank you for a great program; I had the opportunity to learn more about commercial lending. Special thanks to Professor Verma. I would recommend this program always."
“Great! I was picked as one of the 4 team members in our district to further my education for career advancement. Yes, will recommend.”
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Last updated or reviewed on 3/24/15