Oct
16
Wed
Intermediate & Advanced Commercial Lending School @ North State Bank Mortgage
Oct 16 – Oct 18 all-day

 

REGISTRATION RATES

Total Program: Early Bird – $825 (until 10/2) / Regular – $875 (after 10/2)
Intermediate (Days I & II) Only: Early Bird – $600 (until 10/2) / Regular – $650 (after 10/2)
Advanced (Day III) Only: Early Bird – $350 (until 10/2) / Regular – $400 (after 10/2)

 

PROGRAM INFORMATION

This program is designed for Commercial Lenders, Credit Analysts, Consumer Lenders, Loan Review Officers, Compliance Officers, Branch Managers and Credit Officers. After attending, registrations will:

  • Know how to identify key industry, business and management risks
  • Know how to analyze and understand the more complex credit requests
  • Have a deeper understanding of cash flow analysis and financial forecasting
  • Enhance your overall credit underwriting skills
  • Understand proper loan structuring

The Intermediate Level will expose participants with experience to the fundamentals required to be successful in the commercial lending process. It will cover analytical skills, including: accounting fundamentals, financial statement and tax return review; ratio analysis, cash flow analysis and loan structuring. The method of instruction includes case studies to present concepts and reinforce understanding.

Course topics include:

  • Understanding the role and importance of commercial lending in the banking industry
  • Identifying the information required to make a financial assessment
  • Learning key accounting principles, assumptions and the rules of debits and credits, which is required to understand how financial statements are created
  • Review a full set of financial statements and tax returns
  • Calculate basic ratios to determine financial strength including liquidity, leverage, asset management, operating performance and cash flow
  • How to structure loans property to match the financial requirements of the borrower

The Advanced Level will utilize ratio analysis and cash flow analysis to determine the financial impact on changing financial metrics, short-term and long-term structuring, and to determine future financial performance. This course is designed to provide the more experienced lenders with the tools necessary to ensure a quality loan portfolio – from analyzing promising prospects or customers, to loan approval and documenting your actions as being proper and prudent.

Topics to be covered include:

  • Analyzing industry, business and management risks
  • Advanced ratio analysis
  • Financial impact analysis to determine the impact on cash flow from changing financial metrics (credit ratios)
  • Net working investment analysis utilized to determine the amount required to fund a business’s short-term financing requirements (the essence of loan structuring)
  • Financial forecasting and sensitivity analysis to determine a business ability to generate cash flow in the future to service existing and proposed debt
  • Calculating sustainable growth which is the rate revenue can grow without increasing leverage to an unmanageable level
  • Uniform cash flow and global cash flow analysis for borrowers with interest in multiple entitites
  • How to write an effective credit memorandum

SPEAKER INFORMATION

Jeffery Johnson – Senior Consultant, Bankers Insight Group

Jeffery Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).

Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.

Jeffery is now a training professional in the banking industry by 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.

LODGING INFORMATION

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.

Make Your Reservation Here!

Please note that attendees are responsible for securing their hotel reservations. Should you encounter any issues with your reservation, please contact Business Travel Sales Manager, Courtney Quatrara at 919.878.4914 or courtney.quatrara@hiltonraleighnh.com.

Nov
19
Tue
Basic Commercial Lending School @ TowneBank (formerly Paragon Bank)
Nov 19 – Nov 20 all-day

PROGRAM INFORMATION

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.

 

SPEAKER INFORMATION

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.

 

LODGING INFORMATION

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.

Make Your Reservation Here!

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.