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Testimonials:
"Torrington
Savings Bank was in the early stages of developing a new Strategic Plan. The
Strategic Plan included establishing a Commercial Loan Department. The CFT
Commercial Loan Program provided me an opportunity to brush up on the skills
necessary to build a strong commercial loan portfolio. The participants
ranged from those new to commercial lending to those with two or three years
of experience. The case studies provided an opportunity to understand the
various challenges of Commercial Lending. I highly recommend the CFT program
" - John
E. Janco, President and CEO, Torrington Savings Bank
"The
Commercial Lending School was a comprehensive, interactive, and fun learning
experience. The instructors provided different views in regards to commercial
lending, and their real world experiences were priceless." - Adam Saltsgaver,
Commercial Banking Officer, TheBANK of Edwardsville
When and Where:
October
29 - November 1, 2019
Courtyard by Marriott,
420 Forsgate Drive, Cranbury, New Jersey
Overview:
Depending on
your specific training needs, you can attend the entire school or as little
as a one or two days!
The
Commercial Lending School delivers in-depth training in all facets of
commercial credit, with an emphasis on financial analysis, cash flow versus profit,
and loan structure. Cases emphasizing small and medium-sized companies are
featured. Case studies are used extensively, and active participation by the
students is essential. The work will require study, documentation, analysis
and decision making, often in small teams that will interact intensively with
the instructors, both during the day and in the evening.
Module
1 (Monday, October 28): Fundamentals of Financial Statement (Credit) Analysis
- Introductions
- External Environment
- Life Cycles of businesses
- Evaluating Existing Businesses vs. Start-up
Businesses
- The five C’s of credit: Cashflow, Character, Capital,
Collateral, and Conditions
- Financial Statements and Tax Returns
- What do financial statements contain?
- Statement Spreading
- Business Case Studies
Module
2 (Tuesday and Wednesday, October 29-30): Commercial Lending: Journey Between
Lender-Borrower Relationship, Credit Evaluation and Loan Presentation:
- Bank vs. Borrower Agenda
- Journey between points where a loan request arises
and loan decisions are made
- Purpose and Task of Historical Financial Analysis
- Processing Financial Statements and Borrower
Information around putting together an objective underwriting evaluation
of a loan request
- Financial Analysis Output-systematic loan
underwriting process for loan request evaluation, appropriate loan
structure that captures both Borrower request and underwriting output,
and, packaging this output for loan presentation/approval
- Personal Financial Statement Analysis geared to Individual
Guarantor evaluation
- Financial Statement Projections
- How to construct and evaluate Borrower projections
from historical financial statement spreadsheets
- Setting up Projections for Sensitivity Analysis
Module
3 (Thursday and Friday, October 31 – November 1): Structuring Loans Around
Repayment Risk Profile, Identifying Warning Signs to Troubled Loans and
Problem Loan Remediation Strategies to Minimize Loss
- Structuring Commercial Loans
- Lines, Revolvers & term loans using cash flow
& forecasts
- Collateral, Loan to values and administration
- Loan agreements and covenants
- Guarantees
- Case study applications of above
- Detecting and resolving problem loans
- Focus on early warning signs and causes of problems
- Coincident warning signs
- 5 stages of problem loan resolution
- Identification and appropriate use of problem loan
resolution options
- Process and issues to make informed decisions
- Case study to apply concepts
Faculty:
- George Connors, President and Chief Credit Offier,
Trustar Bank, Great Falls, Virginia
- Vincent DiCara is currently the owner of DiCara
Training and Consulting LLC which he established in January of 2013.
- Joseph May, Retired Senior Bank Manager and Credit
Analyst
More Information and Registration Details - Commercial
Lending School
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Tuition
Full
School (All 3 Modules): $2,375 per person
Module 1:
$495 per person
Module 2:
$990 per person
Module 3:
$990 per person
Click Here to Register!
Contact
Information
Crista
Olson
Vice President
Center for
Financial Training - An
Industry Sponsored Non-Profit Education Provider
1730 Mississippi Avenue
St. Louis, MO 63104
Phone: 314-655-0003
800-795-5242, ext. 9003
Fax: 860-823-1410
Email: crista@cfteducation.org
Web: www.cftnow.org
Rhonda
Potter
Assistant Vice President
Center for Financial Training - An
Industry Sponsored Non-Profit Education Provider
12865 Clarkson Circle
Thornton, CO 80241
Phone: 970-340-6000
800-795-5242, ext. 6000
Fax: 860-823-1410
Email: rhonda@cfteducation.org
Web: www.cftnow.org
Educating
the financial services industry for over 100 years!
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