Commercial & Business Lending Basics for Support Personnel

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.

Covered Topics
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 has been training bankers for 30+ 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.

His clients include National associations such as the American Bankers Association (ABA) and the Risk Management Association (RMA), regional banking schools such as the Graduate School of Banking at Colorado, the Southwestern Graduate School of Banking (SWGSB) and other major schools, state banking and community banking associations in ten states, and individual banks

He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 15+ years, after a 22-year banking career including senior positions in lending and credit, plus president during the formation of a community bank. He has BS and MBA degrees from the University of Alabama.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

Available Upgrades:

12 Months OnDemand Playback $110
12 Months OnDemand Playback + Digital Download $140
12 Months OnDemand Playback + CD $140
Additional Live Access $75 per person

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Dec 05 2022


1:30 pm - 3:30 pm



More Info