Commercial Credit for Lenders
Seminar Description
Unfortunately, lenders are not always formally trained in the sometimes complex area of commercial credit risk. To address this, the Wisconsin RMA Chapter is pleased to offer a course covering the principles and practices of granting commercial credit. While financial statement analysis, ratios, etc., will be referenced, they are not the primary focus of the course. Instead, the broader concepts and risks of commercial credit will be examined
Contents include:
- Risk Evaluation (FICO vs. financial statements)
- Consumer and mortgage lending vs. commercial credit
- Risks associated with commercial credit
- Regulatory perspectives on commercial credit
- Evaluating the commercial borrower’s industry and why.
- Elements of short term commercial credit (lines, single pay loans)
- Elements of long term commercial credit (term loans, real estate loans)
- Overview and role of financial statements and business tax returns
- Elements of commercial cash flow analysis
- How to read and understand Loan Proposals
- Promise, Pledge, Perfection- The role of collateral
- Credit culture/credit discipline and commercial credit risk
This course is the bridge from knowing separate parts of the commercial credit process to having a better understanding of the entire process.
Who Should Attend
This presentation should be of particular benefit to:
- Credit analysts
- New lenders
- Business development personnel
- New bankers transitioning from other industries
- Branch managers charged with making or finding small commercial loans
- Lenders transitioning from consumer and/or single family lending
- Anyone who wants to improve their understanding of the commercial credit process
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 District Bank President with thirty years experience in commercial lending, credit analysis, loan and credit administration, loan workouts and bank management.
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