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.
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Why Lorman?
Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Agenda
Define Commercial Lending
Discuss Conventional Commercial Lending Versus SBA Lending
Explore Credit Scoring
Review Underwriting a Commercial Loan Including Loan Structure, Financial Statement Analysis, and Documentation Issues
Improve the Commercial Loan "Write up" and Explore Loan Committee Presentation Skills
Discuss Negotiating/Marketing Commercial Loans, Sources of Commercial Financing, and Legal Aspects of Commercial Lending
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More Program Information
Why Lorman?
Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
Credits
OnDemand Course
This course was last revised on February 11, 2019.
Call 1-866-352-9540 for further credit information.
This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
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Why Lorman?
Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
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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Why Lorman?
Over 37 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.
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