Commercial Lending School
This conference will be taking place September 26-27, 2017 in Glen Allen, VA.
Who Should Attend
Any bank personnel desiring to learn the basics of commercial lending.
While “relationship-based” lending is one of the foundations of community banking, today’s economic environment demands a complete understanding of your borrower’s repayment capacity. This course focuses on the fundamental concepts that lenders must understand when underwriting commercial loan requests.
The following topics will be addressed:
•Identifying and calculating cash flow from tax returns;
•Financial ratios and cash flow analysis using income statement and balance sheet information;
•Evaluating personal financial statements – what matters, what doesn’t;
•Detailed analysis of lines of credit and asset conversion, to better understand accounts receivables, inventory and the cash cycle.
•Identifying problem loan red flags and solutions.
•Understanding the borrower, and performing appropriate due diligence.
•Loan approvals and credit memo content.