Tag Archive for: Commercial Real Estate

Events

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Real Estate Construction Loans Start to Finish: Consumer & Commercial; Unique Issues & Landmines

Real estate construction loans can be tricky. From start to finish, this information-packed webinar will focus on RE construction loan issues. Designed to address both consumer and commercial construction loans, this webinar will help you prevent lending missteps – even in unique situations.

After This Webinar You’ll Be Able To:
Understand the special construction loan documentation that is required and why it is required
Properly create and perfect liens in real and personal property during the construction process
Address problems involving the general contractor and suppliers
Handle loan disbursement procedures and construction monitoring
Explain how to deal with change orders and cost overruns

Webinar Details
Real estate construction lending is perhaps the most complicated type of loan and certainly one of the riskiest that your institution can make.  Construction lending requires knowledge of unique lending processes and an understanding of how to manage these processes.  It is a trap for the unwary who think construction lending is simply making a real estate loan.  This webinar will explain the construction lending function from start to finish.  It will discuss both consumer and commercial construction loans and the landmines to avoid.

Who Should Attend?
This informative session is designed for any personnel involved in construction loans, including loan officers, loan operations personnel, compliance staff, attorneys, auditors, and managers.

Take-Away Toolkit

  • Loan closing checklist (list of loan documents and other items needed for construction loans)
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presenters

Elizabeth Fast, JD, CPA — Spencer Fane LLP
Elizabeth Fast is a partner with Spencer Fane LLP where she specializes in the representation of financial institutions. Fast is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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New Proposed Regulatory Policy on CRE Loan Accommodations & Workouts

Do you know about the proposed update to the Interagency Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts? What is in the statement? How will the proposed changes affect CRE loan workouts? Should institutions be preparing now? If so, how? Get answers to these and many other questions during this timely session.

After This Webinar You’ll Be Able To:

  • Understand the changes proposed by regulators and how to implement them
  • Employ the key principles of prudent CRE loan accommodations and workouts
  • Explain what constitutes a troubled debt restructuring for reporting purposes
  • Take the proper steps to avoid criticism from your regulators even if your CRE loans are adversely classified
  • Protect your institution from potential liability to commercial borrowers

Webinar Details
On August 2, 2022, the FDIC, OCC, and NCUA proposed changes and updates to the existing Interagency Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts.

The COVID pandemic led to financial distress across several CRE property types, especially the hospitality, office, retail, and entertainment industries. In addition, rising interest rates, inflationary pressures, and labor challenges could adversely affect the financial condition and repayment capacity of commercial borrowers in various other industries. This new proposed policy statement reaffirms certain key principles which require financial institutions to work prudently and constructively with creditworthy borrowers during times of financial stress, and it adds new provisions on short-term loan accommodations, changes in the accounting rules for reporting and estimating loan losses, and new helpful examples of CRE loan workouts. This webinar will explain all of the proposed changes and updates and how your institution can prepare for the future.

Who Should Attend?
This informative session is designed for personnel involved in the commercial real estate loan workout and collection process, such as loan officers, workout officers, loan operations personnel, collectors, attorneys, auditors, compliance officers, and managers.

Take-Away Toolkit

  • Copy of the proposed Interagency Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presenter

Elizabeth Fast, JD, CPA – Spencer Fane LLP

Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Fast is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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GSB – Advanced Cash Flow Analysis

This program will explore multiple models of both business and personal (business owner) cash flow analyses.

The session will begin with the business traditional EBITDA cash flow and personal cash flow of the business owner (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined business & personal cash flow model will be displayed.

This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody’s software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF).

Various cash flow projections and sensitivity analyses will also be explored.

The webinar will then conclude with commercial real estate (CRE) cash flow analysis and other related real estate investment cash flow models.

Topics to be covered include:

  • Business (EBITDA) & personal cash flow analyses
  • Global cash flow: combining the business and personal cash flows
  • Statement of cash flows, UCA cash flow, cash basis cash flow, fixed-charge coverage, and free cash flow
  • Cash flow projections and sensitivity analysis
  • CRE cash flow analysis including investment models

Target Audience: Commercial lenders, commercial relationship managers, credit analysts, and loan administrators

Presenter
David Osburn, Osburn & Associates, LLC

Registration Option
Live presentation $330

Recording available through February 14, 2023

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Commercial Real Estate Lending in Today’s Economy

This webinar will begin with a review of “commercial real estate” including types of properties and demand/supply in the “current” market.

The session will then cover the entire “loan process” by which a commercial real estate (CRE) loan is marketed, underwritten, approved, documented, “closed,” and monitored. The process will include a discussion of CRE underwriting techniques and loan documentation issues.

Additionally, strategies to handle a problem CRE loan will be addressed.

Objectives
Review commercial real estate including types of properties and demand/supply in the current market
Gain an understanding of how banks process CRE loans
Learn the steps of marketing, underwriting, approving, documenting, closing, and monitoring a CRE loan
Cover CRE loan underwriting techniques and documentation issues
Address problem CRE loan issues
Who Should Attend?
Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers.

Presenter

David L. Osburn, MBA, CCRA, is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners.

His extensive professional background of over 30 years includes 21 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. Mr. Osburn has also been an adjunct college professor for over 30 years including College of Southern Nevada.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395v

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608-441-1200

4721 S Biltmore Ln.
Madison, WI 53718

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