Small Business Lender

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  • Adverse Action Compliance Workshop (3 CRCM Credits)

    How and when to notify applicants when denying a loan applicationHandling withdrawn applications
    Processing counteroffers
    Common errors and audit findings in the adverse action process
    Second reviews of adverse action notices for dual purposes
    The interplay of ECOA and FCRA for adverse actions
    Current requirements for business applications and an outline of pending small business application handling (can you say 1071?)
    Ideas/tips/tools from other bankers to try in your bank

  • CRE Appraisals: Regulations and the Review Process

    Overview of guidelines and issues critical to CRE appraisalsThe five minimum standards and what they really mean
    Types of reviews, as suggested by the guidelines
    Administrative/compliance review, plus a sample checklist
    Technical/internal review, plus a sample checklist
    Outside/third-party review, plus sample comments
    Ideas for setting dollar limits
    Ideas for screening for Uniform Standards of Appraisal Practice (USPAP) as of Jan. 1, 2020
    Appraisal review outcomes and when to request revisions

  • How to Craft an Effective Commercial Loan Write-Up

    Review effective commercial loan write-upsDiscuss types, styles, and components parts
    Cover the financial analysis section
    Assess the company’s strategic plan and management’s strengths/ weaknesses
    Analyze the risk assessment and mitigation section as a summary of the loan presentation
    Summarize the concepts by reviewing three loan write-ups

  • CRE Appraisals: Components, Approaches to Value & Cap Rates

    Types of appraisals by formatWhat to look for within the assumptions and limiting conditions
    Property ownership interests clarified (fee simple, leased fee, etc.)
    Highest and best use of the property
    Approaches to value
    Cost approach and information useful in the underwriting and loan structuring process
    Income approach options of discounted cash flow (DCF) and direct capitalization

  • Commercial Construction Lending

    This session is ideal for commercial lenders, credit analysts, and support staff that deal directly with commercial construction loans, as well ass mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, and credit officers indirectly involved in the construction lending process.