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Commercial Lending: Risks, Rewards, Controls & Common Mistakes

The purpose of this webinar is to remind us of our role as arbiters of risk in supporting the economy while making safe and sound loans that are in line with regulatory requirements. Sometimes, these objectives conflict with each other. During this session, we will present the Risk, Rewards, Control Factors and Common Mistakes made during the Commercial Lending Underwriting Process. We only have one-time to make a good or bad loan decision or face the consequences of the wrong decision, which has proven to be time-consuming and costly for the Financial Institution. Credit Analysis and Lenders can benefit from this knowledge because this should be their primary responsibility within the institution.

OnDemand
Recorded Thursday,
June 29th, 2023
Presented by Jeffery Johnson
2h total length
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Lending
  • Management/Employee Development
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Risk Manager

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Interest and fee income from Commercial Loans represent the primary source of revenue for all financial institutions, therefore, thorough credit analysis in Commercial Lending is paramount before loan decisions are made. Commercial Lending is also one of the primary reasons Financial Institutions exist. The continued flow of capital from Financial Institutions into the economy in the form of loans are the drivers of the national and local economies surrounding our communities Financial Institution regulators understand the importance of Commercial Lending by encouraging these institutions to support individuals and small businesses through the extension of loans to creditworthy borrowers. This is proven by the guidance issued by the interagency during the height of the worldwide pandemic.

What You'll Learn

  • Know the nine steps in the Commercial Lending process financial institutions should follow to obtain the desired type of borrower’s financial institutions seek
  • Understand the unique risks involved in Commercial Lending that are not found in other forms of lending
  • Understand the impact of Commercial Lending to financial institutions and how it can be beneficial to all financial institutions
  • Understand the impact of Commercial Lending to the national, state, and local economies and why the regulators encourage financial institutions to support individuals and small companies
  • Know the common mistakes lenders are prone to make during the underwriting and decision-making process of commercial loans

Who Should Attend

Credit Analysis, Branch Managers, Consumer Lenders, Commercial Lenders, Loan Review Personnel, Senior Loan Officers, Senior Credit Officers, and Credit Administration Personnel.

Jeffery Johnson

Instructor Bio

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

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