Time: 9 am – 4 pm each day
Location: North Carolina Bankers Association
3601 Haworth Drive – Raleigh
Registration: $815 (Early Bird – 3/27) / $865 (Regular – after 3/27)
The NCBA has partnered with KPN Consulting and DHG Credit Risk Management to bring our members the new and improved Commercial Lending School! The School has been designed to prepare bankers to serve effectively and profitably as commercial loan officers by developing a better comprehension of the economy and how it affects lending decisions. Insight will be offered into how a business is structured and how it competes. Attendees will develop an understanding of the role of the company’s management and how to analyze and evaluate that management. Registrants will also be provided an opportunity to apply analytical techniques in a lending situation and to carry them forward in the pricing and structuring of a loan.
Specific courses will include:
- Borrower & Global Cashflows
- Case Studies
- CRE Lending – Best Practices
- Developing the Credit Memorandum
- Effective Relationship Management
- Financial Statement Analysis
- Fintech – Overview & Update
- Fundamentals of C&I and Balance Sheet Lending
- Fundamentals of CRE Lending
- Funding – Your ALCO Challenge
- Identifying and Managing Problem Loans
- Industry Perspective – A Look at Our Second Major Crisis
- Lending Mistakes of the Past – A Regulator’s View
- The Credit Committee – Past & Future Perspectives
- The Loan Approval Process – Good Enough to Succeed?
Who Should Attend: Any participant desiring to deepen their understanding of commercial lending from an introductory level.
Erich Bumgardner – Senior Manager & Loan Review Advisory, DHG Credit Risk Management
Erich is Senior Manager with Dixon Hughes Goodman, LLP (DHG). Prior to DHG, he was a co-founder of Credit Risk Management, L.L.C. Credit Risk Management was a Raleigh-based consulting firm that provides comprehensive credit-related products and services to banks and other lending institutions throughout the U.S. Erich worked as Assistant Vice President, Credit Administrator and Loan Review Officer for First Union National Bank before becoming the co-founder of Credit Risk Management, L.L.C. in 1989.
Eric Nelson – President, KPN Consulting
Eric has nearly 20 years experience in the financial services industry. As president of the firm, he is directly responsible for client acquisition, association partnerships, and marketing. Prior to joining KPN Consulting, Eric served as CFO and Managing Partner of Greenbrier Properties, a commercial real estate company that developed, owned, and operated multifamily properties throughout the country, from 2005 – 2009. His career has also included positions at Wachovia Bank, Henssler Financial Group and Ameriprise Financial, and he has held Series 7, Series 66, and Insurance Licenses.
Karl Nelson – Founder & CEO, KPN Consulting
Karl’s career has included senior positions with IDC Deposits and Promontory Interfinancial Network. In addition, he has served as a Senior Vice President with the Federal Home Loan Bank of Atlanta from 1991 through 2002, where he managed the sales and marketing, strategic planning, and trade association/regulatory outreach efforts and served on the bank’s ALCO. Prior to joining the Home Loan Bank, he was involved for 18 years with various regional banks.
David Ruffin – Director, DHG Credit Risk Management
David has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus. He assesses all aspects of the credit process and credit culture—pertaining to a financial institution’s day-to-day activities, as well as within the integration challenges of a prospective merger or acquisition. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.
The NCBA has secured a discounted rate of $149/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please call the hotel directly at 919.872.2323 and request the NC Bankers Association rate. This rate includes Lofton’s breakfast and complimentary transportation to and from the North Hills Mall. The hotel is located two miles away from the NCBA.
Please note that attendees are responsible for securing their hotel reservations.
Location: William & Ida Friday Center at UNC Chapel Hill
Tuition: $1,700 (members) / $1,800 (non-members)
Click HERE to access the official website for the 82nd Annual NC School of Banking, where you will find application instructions, lodging details, faculty profiles and more!
The North Carolina School of Banking is the oldest state association banking school in the nation. It is dedicated to expanding the skills and abilities of middle managers and prospective managers. Bankers who enroll in the School spend a week each August receiving training in a college setting.
Freshman Year provides instruction in accounting, sales, lending, financial management, marketing, compliance, team building, and other banking related topics.
Sophomore Year focuses on government relations, finance, money & banking, managerial accounting, conflict management, motivation and delegation and more.
Junior Year concentrates on decision making in simulated banks, investments, asset liability, leadership development, advanced commercial lending, alternate funding sources, and self-assessment.
Senior Year is designed to provide rising middle managers with senior management perspective. Participants work in small teams to manage a bank through a two-year period using a sophisticated computer simulation program involving asset/liability, capital allocation, investment, business development, lending and human resources management decisions. This provides an invaluable tool in developing insightful, creative, flexible and decisive managers for the future.
A minimum of three years experience in banking is desirable. It is necessary for the immediate supervisor to recommend and verify the qualifications of the candidate. The ability to assume middle management level responsibility should be considered in evaluating a candidate’s capabilities of performing satisfactorily in the school.
In order to maintain a high standard of performance in the School, there will be consistent, meaningful examinations conducted in the first and second year of the program to provide the student and the student’s bank with important feedback concerning his or her progress. The examination will also provide the School administration with insight into the effectiveness of the instructors and the course materials.
The faculty of the North Carolina School of Banking consists of experienced bankers, professors, regulatory officials, attorneys and others who have expert knowledge of the subject areas. Approximately thirty faculty teach at the School, and some have been associated with the program for many years. Faculty and courses are critically evaluated to ensure that banker-students receive the best possible professional education.