Developed in partnership with the University of Richmond Robins School of Business, Commercial Banking Bootcamp is an intensive, hands-on training program designed specifically for junior to mid-level business bankers, loan officers, credit analysts and others looking to take the next step in a career of commercial banking.

Through a combination of classroom learning, virtual training and group assignments, attendees will gain practical skills in credit analysis, loan structuring and relationship management as well as foster an understanding of regulatory expectations and economic conditions impacting community banks. The program will culminate with a capstone group project where attendees will present to a “loan committee” their recommendation on a loan proposal.

The 2025 Commercial Banking Bootcamp will include five days of in-person learning, split between two sessions and one 90-minute virtual sessions between session 1 and session 2.

2025 Session Outline

Session one – october 14-16, 2025

Each day we will have networking breaks and a lunch break incorporated into the day. On Thursday, boxed lunches will be provided for attendees to either enjoy at the VBA or take on the road with them.

Tuesday, October 14 – Schedule & Topics

9:30 – 10:00 am Registration
10:00 am Commercial Banking Bootcamp Session Begins
5:00 pm Commercial Banking Bootcamp Session Concludes

I. Fundamentals of Commercial Banking

• Types of Commercial Loans (C&I, SBA, CRE, Ag Lending Basics)
• Fundamentals of Good Loan Policy
• Making or Not Making Exceptions

II. Credit & Risk Analysis

• Industry Risk Assessment & Types of Risks in Commercial Banking
• Financial Statement Analysis (Ratios, Trends, Red Flags)
• Cash Flow and Debt Service Coverage
• Credit Scoring & Risk Rating Systems
• Strategies for Mitigating Risk

Wednesday, October 15 - Session Schedule & Topics

8:30 – 9:00 am Continental Breakfast
9:00 am Commercial Banking Bootcamp Session Begins
4:30 pm Commercial Banking Bootcamp Session Concludes

I. Loan Structuring & Underwriting (Part 1)

• Understanding Credit Worthiness
• Linking Credit Analysis to Proposed Loan Products to Business Needs
• Loan Structure and Pricing Strategies
• Collateral Valuation and Loan-to-Value (LTV) Best Practices
• Covenants and Credit Enhancements
• Creating & Defending a Credit Memo
• Loan Approval Process Case Study

Thursday, October 16 – Schedule & Topics

8:00 – 8:30 am Continental Breakfast
8:30 am Commercial Banking Bootcamp Session Begins
12:30 pm Commercial Banking Bootcamp Session Concludes

I. Loan Structuring & Underwriting (Part 2) & Capstone Project Review

• Loan Classification, Ratings and Provisions
• Committee Presentations Tips
• Review Capstone Project, Including Team Assignments

90 Minute virtual session 

Date: Tuesday, November 4
Time: 9:00 – 10:30 am

Click here to join the session.
Meeting ID: 847 8969 7524
Passcode: 062618

Topic: Regulatory Considerations in Building & Maintaining a Loan File

Topics include: 

• KYC Compliance
• Beneficial Ownership
• Flood
• …and more!

session two – November 18-19, 2025

Each day we will have networking breaks. Tuesday a lunch break will be incorporated into the day. On Wednesday, boxed lunches will be provided for attendees to either enjoy at the VBA or take on the road with them.

Tuesday, November 18 - Schedule & Topics

10:00 am Commercial Banking Bootcamp Session Begins
5:00 pm Commercial Banking Bootcamp Session Concludes

November 18

I. Developing a Consultative Sales Approach & Finalizing Group Capstone Project

• Define Client/Prospect Selection and Prioritization Criteria
• Think Like a Client: Understand the Lender perspective vs. Owner Perspective
• Negotiation and Communication Tactics
• Managing/Handling Problem Loans, Workouts, etc
• Finalize Capstone Project

Wednesday, November 19 - Schedule & Topics

8:00 – 8:30 am Continental Breakfast
8:30 am Commercial Banking Bootcamp Session Begins
12:30 pm Commercial Banking Bootcamp Session Concludes

November 19

I. Capstone Simulation Presentations

• Capstone Project: Presenting a Commercial Loan Deal to a Loan Committee of Senior/Executive Level Bankers

*Agenda, topics and descriptions are subject to change

Session Materials 

2025 Commercial Banking Bootcamp

The password to access the session materials is CommercialBanking25.

Meet the Instructors

Cary Chandler is a Credit Administrator at SouthState Bank who provides credit approval and loan structuring guidance to the Large Complex C&I lines of business, including the Middle Market, Equipment Finance and Specialized Not-For-Profit banking teams covering the footprint of the Bank. Upon graduating from the University of Virginia with a Bachelor of Arts in Economics and Finance, he joined BB&T where he spent 18 years in Commercial Lending, including Business Banking and Commercial Lending Relationship Manager roles in Washington, DC and Portfolio Management, Credit Administration and Credit Leadership roles in Atlanta, Georgia and Winston-Salem, North Carolina. Returning “home” to Richmond in 2017, he joined SouthState Bank in 2019. Cary achieved the designation of Credit Risk Certified by the RMA in 2012.

Richard Coughlan serves as Faculty Director of Executive Education and Associate Professor of Management at the University of Richmond, where he teaches courses on negotiations, decision-making, and organizational behavior. A recipient of the University’s Distinguished Educator Award, he is also a facilitator and strategic advisor for dozens of corporate clients including CapTech, CarMax, Capital One, Dominion Energy, and Markel. A graduate of the University of Virginia, Richard arrived at Richmond after completing both an MBA and a Ph.D. in judgment and decision-making at the University of Arizona. Prior to graduate school, he spent nearly five years in the hotel industry, culminating with a position on the management team at The Pebble Beach Resorts in California.

David Evinger serves as Director, President, Chief Credit Officer and Chief Risk Officer of Chain Bridge Bank, N.A. David joined the Company in July 2006 as an Organizer and became Executive Vice President and Chief Credit Officer of the Bank on August 6, 2007, the day the Bank commenced operations and received its charter from the OCC. In 2018, the Bank’s board of directors promoted him to President of Risk Management, and in 2020, to President of the Bank. The Company’s Board promoted him to President of the Company in 2013, and he was elected to the Company’s Board in 2016 and the Bank’s board of directors in 2018. David holds a B.A. and an M.B.A. from Marymount University and is a graduate of the Virginia Bankers (VBA) School of Bank Management. He serves as the Chairman of the VBA Lending Executives Committee and on the Advisory Board of the College of Business, Innovation, Leadership, and Technology at Marymount University. Since 2015, he has been a faculty member at the Carolinas-Virginia Commercial Lending School of the Risk Management Association (RMA). His banking and credit risk management experience, as well as his experience as a director of the Company and the Bank, qualify him to serve on the Board of Directors.

Roster

Click here to see who is attending!

Hotel Information

Hotel amenities include complimentary hot breakfast from 6:00am to 9:30am and complimentary evening drinks and snacks from 5:30pm to 7:00 p.m.

Drury Plaza Hotel Richmond
11049 W Broad St
Glen Allen, VA 23060

Sponsorship

Contact Amy Binns for information.