Montana Bankers Association Basics in Lending: C&I Lending and CRE Lending 2022 | Montana Bankers Association | 20 October 2022 | Best Western Plus Grantree Inn, 1325 N 7th Ave, Bozeman, MT 59715, USA

This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure.

The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a “Borrowing Base Certificate” (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.

Additionally, the seminar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.

Objectives:
• Review C&I lending
• Discuss C&I loan products and their typical structure
• Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing
• Analyze the Borrowing Base Certificate (BBC)
• Evaluate the borrower’s financial statements
• Review the documentation, collateral, pricing, and managing of C&I loans
• Develop the marketing of C&I loans in today’s economy

This seminar 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

Audience:

Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers

2022 Speaker

INSTRUCTOR

David Osburn
Founder and Managing Member of David L. Osburn & Associates Llc