Beyond the Basics - Consumer Lending, Small Business Lending and Small Residential Investment Lending 2021 | Virginia Association of Community Banks | 19 October 2021 | Online

Evaluating Cash Flow and Tax Return Analysis

• Review of Differences in Consumer vs. Commercial Lending
• Loan Purpose
• Compliance
• Underwriting
• Review of 5 C’s of Credit: Character, Capacity, Collateral, Capital, Conditions
• Cash Flow Analysis
• Why Should Lenders Be Knowledgeable of How to Calculate Cash Flow
• Global Debt to Income and Debt Service Coverage Calculations
• Sources of Repayment
• Important Considerations in Evaluating Cash Flow
• Personal Tax Return Analysis
• 1040
• Schedules I and II
• Schedules A and B
• Small Business, Farm, and Small Investment Real Estate Tax Return Analysis
• Understanding the types of Business Entities
• 1040
• Schedule C – Small Business Cash Flow
• Schedule F-- Farm Cash Flow
• Schedule E – Real Estate Investment Cash Flow
• Schedule E – Other Business Entities Cash Flow
• Schedule K-1
• 1120 (C Corp)
• 1065 (Partnership)
Analyzing Business Income; Calculating Global Cash Flow; Loan Pricing; and Loan Compliance for Consumer and Small Business/Small Real Estate Investment Loans
• Using Other Business Financial Information to Evaluate Repayment
• Balance Sheet, Income Statement, and Statement of Cash Flows
• Analyzing Lease Income
• Income/Cash Flow Projections
• Cash Flow Practice Exercises Using Global Cash Flow Worksheet
• Approving Loans Within Bank Policy
• Comparing Consumer and Commercial Loan Pricing
• Fair Lending Compliance (ECOA, Adverse Action, HMDA, Fair Housing, CRA)
• Fair Credit Reporting Compliance
• Truth-n-Lending Compliance
• RESPA and TRID Compliance
• UDAAP Compliance
• Dodd-Frank and Related Mortgage Compliance Regulations
• Flood Regulation Compliance

Loan Documentation and Perfection for Common Loan Types; Growing Retail Loan/Bank Relationships; and Balancing the 4-Legged Stool
• Loan Documentation Basics for the following loan types: Unsecured, CD, Titled Vehicles, UCC Collateral, Land and Lots, Personal Residence, Other Dwellings, Other Structures
• Best Practice Processes: Loan Pre-Closing, Closing, and Post-Closing
• Ongoing Loan Monitoring and Exception Management
• Using the CARES model to Grow Relationships, Grow the Bank, and Protect Asset Quality
• Balancing the 4-Legged Stool: Customer Needs, Bank Needs, Community Needs, Lender Needs

2021 Speakers

Christie Drexler
Senior Consultant and Facilitator for Performance Solutions, Inc