Commercial Lending School (Virtual)
4 Days - 2 Hour Sessions - 9:00am to 11:00am
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.
Agenda & Speakers
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.
In his banking career which spans 40 years, John Cochran has served in various lending and senior management positions including President and CEO of a community bank. John established Cochran Associates LLC in 2000 to provide lender training and loan review and consulting services. He has done extensive consulting with the boards of directors of troubled financial institutions.
To date, he has presented lending seminars for many state bank associations and annually participates in several commercial lending schools as a principal instructor or sole presenter. John was also on the faculty of the Pacific Coast Banking School where he presented a series of lectures on Credit Risk Management. When their schedules permit, John and his wife Pam enjoy camping, canoeing and fly-fishing Missouri’s trout streams.
Members & non-members – $525
VBA Event Cancellation Policy
All cancellations will be charged a $25.00 administrative fee. Cancellations received less than 72 business hours before the program will be charged a $75.00 administrative fee plus any additional fees associated with the training. Substitutions are allowed prior to the beginning of course.