Personal Cash Flow Seminar 2023 | Cvent | 29 March 2023 | Robert F. Hatcher, Sr. Conference Center, Conference Center, 100 University Pkwy, Macon, GA 31206, USA

This event is prevention of loan losses through the implementation of proper loan structuring and documentation techniques is the objective of this seminar.

Topics include:
• Background and review: the purpose of documentation, 10 most common problems, borrower identities/authorities.
• Identifying the borrower: using the correct name, identifying the legal entity, who is authorized to represent the legal entity, verify the information, is the entity legally permitted to conduct business?
• Identifying the collateral: who owns it, where is it located, what is its value, does the borrower have a legal right to pledge it?
• Evidencing the debt: create a mutual understanding of the loan, how much money will be borrowed, how and when will it be repaid, what happens if the client defaults?
• Attaching and perfecting the collateral: generate security interest in collateral, public notification of the security interest.
• Real estate specifics: basics of documentation, FDICIA, appraisal review checklist, importance of flood certificates, notices and disclosures.
• Residential construction lending: builder’s application, construction loan agreement, disbursement election form, owner’s affidavit, draw/inspection sheet.
• Guarantees: personal, corporate, guarantor defenses.

Who Should Attend:
Commercial loan officers, commercial loan personnel, loan assistants and closing specialists.

2023 Speakers

Mike Allen
EVP, Area Credit Executive, Cadence Bank