Fundamentals of Commercial Lending
This two-day workshop is designed to establish a solid foundation in basic commercial lending skills & allow a thorough discussion of the commercial lending process. The underlying causes of commercial borrowing will be explored. Analytical tools to be introduced & developed include: trend analysis, common sizing, ratio analysis, cash flow analysis.
In addition to analytical tools, documentation & the UCC will be reviewed, & case studies will be used extensively. There will also be a review of basic accounting principles as they relate to financial statement analysis. Exercises will include credit memo writing. As a result of this workshop, participants will be able to have an immediate positive impact on the volume and quality of their bank’s loan portfolios.
- Introduction to Commercial Lending
- Types of risk: acceptable / unacceptable
- Bank policy
- Understanding the reason for the loan
- Basic Accounting Concepts
- Inventory valuations
- Statement quality
- Ratio analysis
- Common sizing
- Trend analysis
- Case Studies
- Income statement analysis
- Balance sheet analysis
- Loan structuring
- Collateral considerations
- Loan agreements
- Cash flow analysis
- Credit memos
David L. Kemp, Bankers Management Inc., has more than 20 years’ experience & management responsibility in credit administration and new business development. Before starting his consulting firm, Kemp was vice president & director of credit services for Cannon Financial Institute. He also served as vice president of corporate finance for Citicorp North America and a branch manager & commercial lender for two southern banks. Kemp also has served as a consultant to small businesses in finance, marketing and operations. His areas of expertise include all types of commercial loans, mergers and acquisitions, leveraged finance, capital markets and portfolio management.
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
This seminar will be held on Tuesday and Wednesday, November 15 & 16, 2018 at the IBA Center for Professional Development, located at 8425 Woodfield Crossing Blvd., Suite 155 E Indianapolis, IN 46240. Directions, map & a list of local hotels are available at www.indianabankers.org or by calling 317-387-9380.
$425 Per Person
Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. 100% Surcharge for Non-Members will be applied.
If you have any questions please contact Elizabeth Kilty at 317-387-9380 or via e-mail at firstname.lastname@example.org.
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.