Overview

Attend this proactive webinar and receive a thorough overview of commercial lending requirements from a “loan” structure, documentation and compliance perspective.

Basic “business” structure will be presented, along with loan “structure” and loan “support.” Additionally, “commercial” lending issues relative to loan documentation will be reviewed. “Loan pricing” and “monitoring” also will be covered, along with a review of current compliance issues.

The webinar will be summarized through a comprehensive case study.

Objectives

  • review basic “business” structure: C Corporations to LLCs
  • explore the six elements of loan structure
    • loan purpose
    • sources of repayment
    • adequate amount
    • appropriate term
    • adequate support
    • framework for monitoring 
  • summarize the four elements of loan support
    • collateral
    •  guaranties
    •  business loan agreements
    •  subordination agreements
  • highlight “commercial” loan documentation issues, including promissory notes, security agreements and guaranties, along with the use of the BSA loan rating, collateral rating and C & I borrower rating matrixes
  • discuss loan pricing and monitoring issues
  • review current compliance issues
    • Equal Credit Opportunity Act (Reg B)
    • Bank Secrecy Act 
    • Fair Credit Reporting Act 
    • Fair Debt Collection Practices Act
    • UCC Article 9 
  • analyze comprehensive loan structure/documentation/compliance case study

Who Should Attend

commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers and business development officers

CPE Continuing Education

CPE will be granted to registered attendees upon request.
Specialized Knowledge – 6 credits
Instructional Delivery Method: Group Live
Prerequisites: Advance knowledge of bank practices.
Program Level: Advanced
Advanced Preparation: None

Presenter

David L. Osburn, MBA, CCRA
Osburn & Associates LLC

David is the founder of Osburn & Associates LLC, a business training and contract chief financial officer firm. His extensive professional background spanning more than 30 years include work as a business trainer/contract CFO and work as a bank commercial lender, including the position of vice president/senior banking officer. His banking credentials include loan underwriting, loan workout management and business development.

Osburn holds the professional designation of Certified Credit & Risk Analyst as granted by the National Association of Credit Management.

For More Information

Contact the MBA Education Department at 573-636-8151 or email.

Register

register icon    Online             
phone icon    Phone 573-636-8151 
mail icon    Mail check payable to Missouri Bankers Association and form to:
Missouri Bankers Association
P.O. Box 57
Jefferson City, MO 65102

Registration Fees

Fee includes presentation slides. 

  • MBA Member Fees
    • $340 per person
    • $300 per person for each additional person
  • Nonmember Fee
    • $1,360 per person
Remember that this registration is per person only; multiple people in the same room attending the program is discouraged. The only exception is when all the registrants have enrolled separately and each registrant has paid their own individual registration fee.

Schedule

8:45 a.m. Zoom Login
9 a.m.  Seminar Begins 
Noon Lunch 
12:30 p.m.  Seminar Resumes 
3 p.m.  Adjournment 

Cancellation/Refunds

Full refunds will be granted for cancellations received by MBA at least five days before the seminar date. After that date, an administrative fee of $10 per canceled registration will be retained. Cancellations will not be accepted two days before the seminar. Substitutions are always permitted.

Webinar Instructions

Attendees will need internet access and a standard web browser to join this video and web conferencing. Attendees will receive an email with a link to join the virtual seminar, handouts and any additional information a few days before the event.

A personal Zoom account is not necessary. You will use the link, meeting ID and password we provide.

  • You can log in on a desktop computer, laptop or download the Zoom app on a smart device.
  • internet access
  • audio on computer or a phone line
IntraFi