Lending To Local Government Units

Most banks don't specialize in lending to municipalities and other governmental units. When the opportunity presents itself, those banks struggle to perform proper credit analysis to determine creditworthiness. Learn the major credit factors to examine to predict the repayment capability of a municipality or other governmental unit.

Some credit opportunities in this area can lead to lucrative fee-based business, such as cash management and investment management. Also, financial institutions with a relationship with local municipalities can create significant goodwill in the community, which can translate into more business.

Learn the major differences between credit analysis on local governments and commercial real estate / commercial & industrial type borrowers. Learn appropriate information to request and how to use financial data and other information to effectively underwrite this type of borrower. Also, learn how to identify opportunities to market the proper type of credit facilities to local governments.

Covered Topics:

  • Different types of local government structures in the U.S. in order to determine potential credit-worthy government structures
  • How to complete a review and financial analysis of a municipality's financial statement
  • Common credit requirements of municipalities
  • The best credit structure based upon credit needs of municipalities
  • Locating and using publicly available information to assist in analysis of municipal borrowers

Who Should Attend?

Lending and credit personnel such as Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analysts, Loan Review Officers, Internal Auditors, and Consumer Lenders.

"The presentation was illuminating. It stimulated thoughts about how to respond to municipality inquiries, and offered a few tools for the tool bag." -David W., Northrim Bank

"Very 'to the point!!" -Kenda H., Bank of the Cascades


Connection Error #D55. For immediate assistance, please use our online chat (lower right corner of this page).
   Live Plus Five (days) - $265   
   OnDemand Recording - $295   
   CD-ROM - $345   
   Live Plus Six (months) - $365   
   Premier Package - $395   
Additional Locations
Want your branches to participate? Facilities within your organization will be able to participate without the travel costs of coming to one location.
Each additional location adds $75 to your registration and can be entered on the next screen as you confirm your order.