Fundamentals of Commercial Lending

Dec 04, 2018 to Dec 05, 2018
Indiana Bankers Assocaition
8425 Woodfield Crossing Blvd., Suite 155E
Program Overview: 

PDF Brochure

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
  • Guarantees
  • 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 or by calling 317-387-9380.


IBA Members
$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. 

Association Contact: 

If you have any questions please contact Elizabeth Kilty 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.

Related Events

Hoosier Banker Digital

Hoosier Banker Media Kit