Loan Structuring, Collateral Issues and Loan Documentation 

Course Description

If you participate in the lending process in your bank as a lender, credit analyst or as a credit admin person, you are going to have some part in structuring, collateralizing and documenting loans.  These three activities can be as important as the credit approval decision.  However, they are not always clearly understood by bank staff.  Yet, the successful collection of a loan can hinge on having all of these done correctly.

This seminar will increase your understanding of loan structure, collateral issues, and purpose of loan documentation.   It will enhance your ability to explain the reasons for structure, collateral and documentation to your borrowers:

• Improve understanding of what structures and documents are needed for various types of lending.
• Improve structuring and documentation related communication between lenders and credit admin staff.
• Practical review of collateral issues, collateral monitoring and collateral problems
• Increased understanding of the necessity of various documents.

This is not a “fill in the blanks” course.   It is more of a  “What, Why and When?” approach.

Lenders, loan processors, loan administrative assistants, compliance officers or anyone new to the lending process will benefit from this seminar.  Material will include multiple examples

Seminar Contents

• Loan Structuring

1. Steps to better, consistent, and rational loan structuring
2. Addressing common loan structure issues
3. Better structure for lines of credit
4. Effectively using loan agreements
5. Frequent loan structuring errors

• Collateral

1. What is collateral supposed to do?
2. Collateral issues often over looked
3. Relating collateral to loan structure
4. The importance of collateral monitoring
5. What is the true value of collateral?

•  Documentation

1. Purposes of Documentation
2. Establishing & Perfecting of liens
3. Understanding common documentation
4. Special documentation (vessels, aircraft, vehicles, marketable securities)
5. Relating documentation to loan structure and collateral

Speaker - Gary D. Maples

President, River Edge Consulting LLC, Sheboygan Falls, Wisconsin

Gary currently provides

• consulting services (in the lending/credit administration areas)
• expert witness services
• and all types of credit training. 

Previously Gary was a Bank President with thirty years experience in commercial lending, credit analysis, loan and credit administration, loan workouts and bank management.  Currently he is on the Board of Directors of a community bank.

Other Teaching Experience includes: WI, IA, IL, KS, KT, MI, MN, NY, OH, and PA Bankers Assoc.; KS/NE Schools of Banking;  Pacific Coast Banking School; Stonier Graduate School of Banking; Graduate School of Banking at the UW; Czech and Romanian Banking Institutes; ABA’s National Graduate Lending School.

General Information

A Continental Breakfast and Lunch will be provided.

Attire - Business Casual

  8:30 - 9:00    Registration and Continental Breakfast
  9:00 - 12:00  Seminar
12:00 - 1:00    Lunch
  1:00 - 4:00    Seminar 

Register Now!