Dates of Event & Pricing

$249 for Webinar and Playback*

*Playback has no expiration.

  • Tuesday, April 7, 2020

  • 2:00 – 3:30 pm (Eastern Time)

  • 1:00 – 2:30 pm (Central Time)

  • 12:00 – 1:30 pm (Mountain Time)

  • 11:00 – 12:30 pm (Pacific Time)

Curriculum

Whether it is a consumer or a commercial loan, the questions that must be asked – both internally and externally - will help you make loans that are good for both you and your borrower.  This loan webinar will break it down to the Ps – a simple way to see what you need.

All loans involve an interview process – even if it’s online.  Regardless of complexity, a lender needs to look at the 8 Ps:

  • Purpose – Why the loan is requested
  • Payment – How will the borrower cover the scheduled payments
  • Past – History of borrower's past performance, credit activity, outstanding concerns and prior risks
  • Projected – What needs to happen in order for this loan request to be successfully booked and executed
  • Profitability - How much is requested and what is a reasonable return for rate and duration to mitigate risk
  • Potential – Opportunities for future growth and revenue with the borrower
  • Problems – Recognition and avoidance of potential risks and unforeseen payment challenges
  • Probabilities – The overall odds of successful repayment


Attendees will takeaway from this loan webinar:

  • Clear definition of what you need to look for, and WHY
  • Identifying the Qs to go with the Ps
  • Understanding how each of the Ps factors into your approval/rejection
  • Critical steps for obtaining customer support and buy-in

Instructor

  • Mark Davis

    Mark Davis

    Founder - Credit and Lending Consultation Services


    Mark H. Davis retired from a traditional career in 2015, following 45 years as a Florida banker. Working his way through the industry with a start as a teller, became a senior lender and credit executive in Community, Regional, and National Banking organizations – with the last 15 years spent exclusively in Wealth Management. A skilled lender and trainer, his specialty is underwriting risk and creatively structuring solutions for borrowers. He was the senior credit officer for Wachovia Wealth Management (Palm Beach), and additionally served as the credit officer for the National Legal Specialty Group. His last role was the senior lender for Florida for BMO Private Bank, and he presently works on consulting engagements with high net worth individuals, businesses, and financial services providers. In addition to holding a CFP® certification, he has served as a Commissioner on the Certified Financial Planner Board of Standards Disciplinary and Ethics Committee and was a Hearing Panel Chair on an Appeal Committee. An active Mentor and workshop facilitator for SCORE, he provides one on one guidance to small businesses and their owners. Mark is a graduate of the ABA Stonier Graduate School of Banking, the ABA Commercial Lending School, the ABA Consumer Lending School, and the Sheshunoff/School of Banking of the South Professional Master of Banking program. He attended both Florida State University and the University of Florida and is a graduate of Miami Dade State College. He has been an instructor in both internal and external lending and credit training programs at a number of financial institutions and both Edison State College and Palm Beach State College.

Credits

1.5 CPE Credits