Education & Events

Consumer & Commercial Loan Documentation

Mar 13, 2019 to Mar 14, 2019
IBA Center for Professional Development
8425 Woodfield Crossing Blvd, Suite 155E
Program Overview: 

PDF Brochure

Loan Documentation is a critical component in lending. After the decision to make a loan has been made, the next step is the documentation and closing process. This part of the lending process is essential in order to avoid loan losses due to poor documentation. Many community banks assign this important responsibility to Loan Officers and Loan Administrators. If not performed properly, poor documentation can cause loans to be adversely classified even if the underlying credit is sound or if the loan is performing as agreed.

The purpose of these one-day workshops is to provide participants with a good understanding of the Consumer and Commercial Loan Documentation process. Participants will be exposed to the five steps in the loan documentation process, which include

  1. Identifying the Borrower
  2. Identifying and Documenting the Collateral
  3. Evidencing the Debt
  4. Attaching the Collateral
  5. Perfecting the Security Interest

 Consumer Loan Documentation

  1. Documents to Identify the Borrower
    1. Documents required to identity the borrower including:
      1. Primary forms of Identification
      2. The Application
        1. Adverse Action Requirements
        2. Appraisal Notification Requirements
      3. The Credit Report
      4. The Resolution
  2. Identify & Value the Collateral
    1. Proper Collateral Classification Based Upon its Physical Form and How It Is Used by the Person Possessing It
    2. Required Valuating Documents to support the Loan To Value Limits
  3. Evidence the Debt
    1. The Promissory Note
    2. Disclosure Requirements Under Regulation Z
  4. Collateral Attachment
    1. Consumer Security Agreement
    2. Assignment Agreement
    3. Guaranty Agreement
    4. Third Party Agreement (Hypothecation Agreement)
    5. Landlord’s Waiver
  5. Collateral Perfection
    1. Methods Required to Perfect the Collateral Interest of the Bank in Consumer Transactions
  6. Compliance Documents to Support Real Estate Transactions
    1. Truth In Lending Required Disclosures
    2. Good Faith Estimates
    3. Right of Rescission
    4. Business Affiliate Relationships
    5. Servicing Transfer Disclosure
    6. Federal Insurance Disclosures

The course will address the major compliance issues that relate to the lending function including Regulation B, X, Z and Flood Hazard Protection Act and the documents required to be in compliance with these regulations.


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

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.


8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program Begins
12:00 Noon Lunch (included)
1:00 p.m. Program Resumes
4:00 p.m. Program Adjourns

The schedule will be the same for both days.


Who Should Attend:

This workshop is directed towards Loan Officers, Loan Operations Staff, Loan Administrators and anyone else involved in the lending process, including but not limited to: Commercial Loan Officers, Loan Operations Personnel, Consumer Loan Officers, Loan Documentation Personnel, Branch Managers, Administrative Asst. to Loan & Credit Officers, Senior Credit Officers,  Auditors,  Senior Loan Officers, Loan Review Personnel, Credit Analysts.


The following fees include the program, training materials, continental breakfast, lunch & refreshments:

IBA Members

$425 Both Days - First Person
$355 Both Days - Each Additional Person
$225 Consumer Only - First Person
$155 Consumer Only - Each Additional Person
$225 Commercial Only - First Person
$155 Commercial Only - Each Additional Person

Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates. Surcharge of 100% for Non-Members.

Additional Information: 

Commercial Loan Documentation

  1. Documents to Evidence and to Support Borrowing
    1. Loan Application
    2. Financial Statements
    3. Credit Memorandum
    4. 4 Typical business structures (Corporations, Limited Liability Companies)
    5. Notification Requirement
  2. Documents to Establish Authority to Borrow

    1. Corporate and Partnership Resolutions
    2. Opinion Letters
    3. Certificates of Good Standing
    4. Articles of Incorporation
    5. By-Laws
  3. Documents to Evidence the Debt
    1. Promissory Note
    2. Loan Agreements
    3. Proposal Letters
    4. Commitment Letters
  4. Documents to Attached and Support various types of collateral
    1. Security Agreement
    2. Deed to Secure Debt
    3. 2 Hypothecation Agreement
    4. 3 Guaranty Agreement
    5. 4 Subordination Agreement
    6. 5 Landlord’s Waiver
    7. 6 Insurance Policies
  5. Documents and Actions Required to Perfect the Security Interest

    1. Uniform Commercial Code Financing Statements
    2. Deed to Secure Debt
Association Contact: 

If you have any questions please contact Marcy Borden at 317-387-9380 or via e-mail at

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations the day before or absences on the day of the program. Substitutions are welcome at anytime.

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