solutions through unified effort

Commercial Lending School

September 25-26, 2019

VBA Training Center
4490 Cox Road
Glen Allen, VA 23060

Who Should Attend

Any bank personnel desiring to learn the basics of commercial lending.

Program Topics

While “relationship-based” lending is one of the foundations of community banking, today’s economic environment demands a complete understanding of your borrower’s repayment capacity. This course focuses on the fundamental concepts that lenders must understand when underwriting commercial loan requests.

The following topics will be addressed:
•Identifying and calculating cash flow from tax returns;
•Financial ratios and cash flow analysis using income statement and balance sheet information;
•Evaluating personal financial statements – what matters, what doesn’t;
•Detailed analysis of lines of credit and asset conversion, to better understand accounts receivables, inventory and the cash cycle.
•Identifying problem loan red flags and solutions.
•Understanding the borrower, and performing appropriate due diligence.
•Loan approvals and credit memo content. 

Click here for more information and to register!