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CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
Commercial
and Industrial (C&I) lenders know that non-financial factors such as
the borrower’s industry, its competitive market, and its management team
play a key role in the ongoing success of the business, as well as timely
loan repayment. Commercial real estate (CRE) loans have similar
non-financial factors or issues, including the type of property (similar to
C&I industry risk), ability to successfully re-lease the property over
the loan term (competitive market), and proper management and maintenance
of the physical facility.
As
banks continue to deal directly with CRE loans as a major portion of their
loan portfolios, plus indirectly through income-producing or rental real
estate holdings that affect customers, it is important to “get beyond the
numbers” and assess the qualitative or non-financial factors that influence
CRE performance over time.
Covered
Topics:
- Differentiating among property types – key
terminology and operating factors for multi-family, retail, office and
industrial/warehouse
- Additional issues with owner-occupied and
“specialty” properties, such as hotels and nursing homes
- “Triple net” versus full service leases
- Overview of other common provisions in commercial
leases, including:
- Reimbursement for common area maintenance (CAM)
- Go dark” clauses
- Cotenancy clauses
- Requirements placed on the tenant
- Requirements placed on the landlord
- Estoppels
- Subordination, non-disturbance and attornment
provisions
- Unusual or extraordinary lease provisions, such as
building naming rights
- Re-lease and rollover risk
- Physical style risk and ongoing property management
risk
- The concept of sponsorship
Who
Should Attend?:
Commercial
lenders, credit analysts and small business lenders, consumer lenders,
mortgage bankers and private bankers; loan review specialists, special
assets officers, lending managers and credit officers. Please forward email to appropriate
person(s).
Instructor:
Richard
Hamm has
been training bankers for 25 years, designing and delivering courses
specializing in commercial lending and credit, including portfolio and risk
management, commercial real estate (CRE) and appraisals, plus selling and
negotiating skills, and director training. Richard is based in Huntsville,
AL and has owned/operated Advantage Consulting & Training for 13 years,
after a 22-year banking career including senior positions in lending and
credit, plus president through formation and acquisition of a community
bank. He has BS and MBA degrees from the University of Alabama.
What
Is A Webinar?:
A
webinar combines the clarity of an audio teleconference with the
interactivity and visual presentation of the internet. All you need to
participate is a telephone and an internet connection. Even if you don't
have an internet connection, you can still participate in the audio
session. Listening to the program over the telephone and following the
written materials is an effective alternative!
Unable
To Attend?:
No
problem. You can purchase a recording of the webinar for future use. You
can choose from either an On-Demand Web Link (Good for 6 months from the
webinar date, unlimited use) or a CD-ROM (includes a paper copy of the
PowerPoint slides).
Viewing
Options (all options include applicable handouts):
All
options include applicable handouts. You can choose to pay by credit card
or be billed. Additional Live Webinar connections are $75 each.
Option 1: Live
Webinar and 7 Days OnDemand Video Playback - $265
Option 2:
OnDemand Video (six months access) - $295
Option 3: Live
and 6 Months of OnDemand Video - $365
Option 4: CD-ROM
Video (Includes OnDemand Video) - $345
Option 5: Entire
Package (all of the above) - $395
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