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Commercial & Business Lending Basics for Support Personnel

This webinar is designed to take the "mystery" out of the commercial lending process and the confusing terminology often used by lenders.

OnDemand
Recorded Monday,
April 18th, 2022
Presented by Richard Hamm
2h total length
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Lending
  • Branch Manager
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • Human Resources Officer
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • New Accounts Representative
  • Teller
  • Trainer
  • Trust Officer

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Lending is all about risk management. This seminar is designed to take the “mystery” out of the commercial lending process and the confusing terminology often used by lenders.

Support personnel have a key role and stake in the commercial and business lending process, and they can help to create a safe and sound loan portfolio. Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender, and what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.

What You'll Learn

  • An overview of the key steps in the commercial and business lending process
  • The role of loan policy and typical content areas
  • The types of financial analyses conducted
  • Four keys to loan structuring, including the types of commercial loan facilities most frequently used, and various terminology
    • Loans as defined by financing length or term (loans, lines of credit, etc.)
    • Loans as defined by collateral (secured or unsecured)
    • Loans as defined by third party support (guaranteed or non-recourse)
  • Overview of how bankers establish a risk rating for commercial and business loans
  • Importance of ongoing loan monitoring after the loan is closed
  • In summary: the “Five Cs of Credit”

Who Should Attend

Community bankers in non-lending roles, bankers in larger organizations in roles such as lending assistants, loan processors, loan operations personnel, new credit analysts, loan review personnel, internal audit and bank compliance specialists.

Richard Hamm

Instructor Bio

Richard Hamm has been training bankers for 28 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. He also conducts eight senior lender forums on a periodic basis in multiple states and one series at the national level.

He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 14 years, after a 22-year banking career including senior positions in lending and credit, plus president of a community bank through formation and acquisition of an existing bank. He has BS and MBA degrees from the University of Alabama.

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