2024 CCBN Commercial Lending School

OVERVIEW

How well do you really know the underwriting process in Commercial Lending?  This workshop will enable participants to discover their level of proficiency in analyzing, approving, and managing commercial loans and build competency where needed.  The program uses real life comprehensive case studies where participants are required to review case details and recommend a course of action.

The overall objective of the School is the application  and interpretation of existing knowledge of all aspects of commercial lending including Credit Underwriting, Loan Structuring, Loan Portfolio Management, Loan Documentation, Credit Rating, etc. During the analysis of case studies, instructors will lead discussions on participants’ observations, analysis, documentation, recommendations, and management of the cases, coaching them on  the most effective management process where needed.

OBJECTIVES

Participants Will Be Exposed to Comprehensive Case Studies to Expose Their Ability to:

• Analyze Industry, Management, and Business Risks
• Determine a Borrowers Financial Strength Through Credit Ratios for Commercial & Industrial and Commercial Real Estate Loans
• Recognize Hidden Dangers in Commercial Real Estate Lease Agreements That Could Affect the Ability of Borrowers Repay Loans
• Structure both Short-Term & Long-Term Loans to Match the Expected Inflow of Cash
• Determine True Debt Coverage using Ratio Cash Flow and Global Cash Flow Analysis
• Complete a Financial Forecasting & Sustainability Growth Analysis
• Understanding Capital Budgeting Before Capital Assets are Acquired
• Utilize a Loan Agreement and Other Commercial Loan Documentation Required to Protect the Banks’ Interest in Borrowers’ Assets Pledged as Collateral
• Assign Credit Risk Ratings to Commercial, Industrial and Real Estate Loans
• Effectively Manage a Loan Portfolio to Protect the Bank’s Interest in the Loan from a Risk and Documentation Perspective
• Recognize Credit Administration Issues Including the Identification of Trouble Debt Restructuring and the Management of Problem Loans
• Prepare a Credit Presentation Utilizing Effective Writing Skills to Highlight Relevant Facts and Ignore Unnecessary Commentary   

AGENDA TIMING

Class begins at 8:30 each day and finishes at 4:30. A buffet breakfast will be available in our room an hour before the class starts and lunch is provided each day around noon. At the end of Day 4 we have our Final Exam, please book your travel accordingly, so you do not have to leave early. 

AUDIENCE

Credit Analyst, Commercial Loan Officer, Relationship Manager, Business Banker, Corporate Banking Officer, Loan Underwriter,  Credit Administration Personnel, Portfolio Manager, Business Development Officer, Loan Review Officers, Commercial Branch Managers, Financial Services Officer, Personal Bankers.

 PRESENTERS

Jeffery W. Johnson, Principle, Bankers Insight Group is a training professional in the banking industry leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.

Carolyn Normand, Chief Credit Officer, South Shore Bank, Boston, Massachusetts has been in the banking industry for 20 years and is responsible for overseeing credit risk, managed assets, appraisal and environmental review, construction monitoring, and commercial loan administration for the Bank.  Prior to joining South Shore Bank, she was a Senior Credit Officer for People’s United Bank. She also previously worked at Rockland Trust as the Credit Manager and has held other various credit and underwriting positions at Santander and Wells Fargo.