Tuesday - Thursday, January 21 - 23, 2020
2:00 – 3:00 pm (Eastern Time)
1:00 – 2:00 pm (Central Time)
12:00 – 1:00 pm (Mountain Time)
11:00 – 12:00 pm (Pacific Time)
This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.
Commercial Lending Fundamentals 101: Basics of Commercial Lending and Analysis
This first part (of a 3 part series) is designed to introduce participants to the entire process involved in commercial lending. The webinar will cover topics such as investigating a new borrower, the basics of credit analysis, identifying why borrowers need money and structuring loans to match their needs, basic documents, and managing a loan after approval.
At the conclusion of the first installment in this Commercial Loan webinar series you will understand:
- The basic steps involved in due diligence.
- Approach used in financial analysis and how it relates to repayment.
- Borrowing causes and matching repayment sources.
- Basic documents used for a commercial loan.
- What should be done to monitor a loan?
Commercial Lending Fundamentals 201: Structuring Commercial Loans Properly
Why is the structure of a commercial loan so important? Borrowers borrow money to solve problems. Some good problems, some bad problems. The appropriate structure of a commercial loan is one of, if not, the most important influence in getting paid back on time.
In this 2nd part of the Commercial Loan training, you will become familiar with the following;
- Identifying Cause and Effect (Why borrowers need to borrow).
- Matching loan purpose to repayment source.
- Using Loan Covenants to keep a borrower on track.
Commercial Lending Fundamentals 301: Loan Documentation Fundamentals and Best Practices
The basis for this third installment in the BankersHub 3-part Commercial Lending Bootcamp will be the loan documentation process outlined below. This is a standard process for unsecured and secured loans. We will discuss this process and what is involved in each of the steps.
Introductory part of the class will involve the detailed discussion of the loan documentation process and issues associated with it. As an example, the dating of documents is critical.
The second part of the class would be focused on the documents that need to be obtained from the borrower. These are primarily legal documents that identify the borrower and establish the authority of the borrower.
The third part will be directed at the specific documents prepared by the bank. Each basic document will be reviewed and the key elements within the document will be identified.
The Course Agenda will cover:
1. Loan Documentation Process
a. Identify the borrower.
b. Identify the collateral, if applicable.
c. Evidence the debt.
d. Attach the security interest in the collateral.
e. Perfect the security interest in the collateral.
2. List of documents obtained from the borrower.
3. List of documents prepared by the lender.
4. Sample documents for discussion.
Robert Dyck has been a banking executive in Southern California for 36 years. For the last 12 years he served as Executive Vice President and Chief Credit Officer of PacWest Bancorp and its banking subsidiary Pacific Western Bank. During this time he managed the acquisition and merger of 20 bank loan portfolios and the blending of 20 different credit cultures. He started his career as a commercial loan officer. In addition, he has held positions that included managing credit training programs, directing loan review departments and he served as a senior credit administrator in several community and regional banks,
3.0 CPE Credits