The course is designed to prepare bankers who prospect business banking loan requests to analyze the typical metrics used to approve these requests. The instructor will provide an overview of the commercial lending environment and how lenders should consider global cash flow, loan-to-value, and other factors when assessing loan decisions. Discussions will also include mitigating credit exceptions and good prospects. Participants will be guided through case studies to reinforce concepts.
Learning objectives include:
- Calculating and analyzing global cash flow
- Evaluating guarantor strength
- Proper loan structure
- Basics of income properties
- Evaluating non-real estate collateral
Who should attend: Lending staff seeking an introductory understanding of commercial credit. We often host new business bankers and experienced branch managers with new commercial loan goals. The course will benefit lenders with loan authority and lenders operating in a centralized lending environment.
Andy Nenni has been providing training and coaching for bankers involved in consumer and commercial lending and has created custom training programs for banking associations and financial institutions. Courses include improving sales, consumer lending basics, performing real estate evaluations, and beginner through advanced C&I and CRE underwriting skills. Andy weaves over fifteen years of banking experiences and stories into each class and uses real world examples to reinforce concepts and entertain attendees. He has served as a Personal Banker, Credit Analyst, Commercial Lender, and Chief Credit Officer in community and national banks. Andy earned a Bachelor of Science in Accounting at Kansas State University and a Masters of Business Administration at East Carolina University.
The NCBA has secured a discounted rate of $159/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below.
Please note that attendees are responsible for securing their hotel reservations. Should you have any difficulty with reserving a room, please contact Courtney Quatrara at courtney.quatrara@hiltonraleighNH.com.
Managing distressed accounts begins at the application intake stage and continues through recovery. The road is often fraught with disaster. With over 60 years of combined experience representing banks and the credit industry, Caren Enloe and Jeff Rogers will discuss their do’s and don’ts for maximizing recovery and for avoiding common pitfalls experienced by banks and other credit providers, including:
- How to properly secure your loan on the front end and prevent common issues which may jeopardize your recovery
- How to avoid common errors and liability in collecting distressed accounts
- How to protect your interests in bankruptcy without violating the automatic stay
Caren Enloe is a partner with Smith Debnam Narron Drake Saintsing & Myers, LLP (Raleigh NC) and leads the firm’s consumer financial services litigation and compliance practice. Caren is active in several national trade groups focused on receivable management and consumer finance. She currently serves as the chair of the American Bar Association’s debt collection subcommittee and as a member of the governing committee for the Conference on Consumer Finance Law.
Jeff Rogers is a partner with Smith Debnam Narron Drake Saintsing & Myers, LLP (Raleigh NC) and leads the firm’s foreclosure and real estate litigation practices. Jeff provides both litigation and compliance services to the banking and mortgage industries.
Registration will open on January 6.
Please check back later for more program details on this live webinar!
Caren Enloe – Partner, Smith Debnam
Caren Enloe is a partner and concentrates her practice in consumer financial services litigation and compliance, bankruptcy, and commercial litigation with an emphasis on creditor’s rights. She practiced with Smith Debnam from 1992 until 2011 and rejoined the firm in 2015 following a three and a half year stint with an Am Law 200 law firm based in Atlanta. Ms. Enloe has a deep understanding of the complex compliance environment surrounding the financial services industry and regularly advises financial service companies on licensing and compliance issues involving state and federal consumer protection and finance statutes. Ms. Enloe earned her Juris Doctor cum laude from Campbell University School of Law, where she served as a member of the law review. She holds a Bachelor of Arts and Bachelor of Music from Appalachian State University.