Gain a better understanding on the discipline of commercial lending in today's competitive market.
This topic will focus on the discipline of commercial lending in today's competitive market.
The material will begin with a brief review of 'conventional' commercial lending versus SBA lending. Additionally, the concept of credit scoring will be explored.
The content will also cover the 'full' underwriting of a commercial loan including 'loan structure', 'financial statement analysis' (with emphasis on liquidity, activity, leverage, operating performance, and cash flow), and 'documentation issues.'
Additionally, effective commercial loan 'write-ups' will be discussed and loan committee 'presentation skills' will be displayed.
The topic will also cover 'negotiating/marketing' a commercial loan, 'sources' of commercial financing, and a brief review of various legal aspects of commercial lending.
Agenda
Faculty
David L. Osburn, M.B.A., CCRA
Osburn & Associates, LLC
- Founder of Osburn & Associates, LLC
- Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors
- Extensive professional background of over 30 years encompasses 21 years as a business trainer/contract CFO and 16 years as a bank commercial lender including the position of vice president/senior banking officer
- Banking credentials include loan underwriting, loan work-out, management, and business development
- Has been an adjunct college professor for over 30 years including the College of Southern Nevada
- Holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM)
- M.B.A. degree, Utah State University; B.S. degree in finance, Brigham Young University; graduate of the ABA National Commercial Lending School, University of Oklahoma
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