Loan Structure, Documentation, Compliance Training: A Comprehensive Approach
About This Course
This course provides 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 will also be covered along with a review of current compliance issue
The course will be summarized through a comprehensive case study.
Objectives
- Review Basic Business Structure: C Corporations to LLCs
- Explore the Six (6) Elements of Loan Structure: Loan Purpose, Sources of Repayment, Adequate Amount, Appropriate Term, Adequate Support, Framework for Monitoring
- Summarize the Four (4) 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 (BSA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act, and UCC Article 9
- Analyze comprehensive Loan Structure/Documentation/Compliance Case Study
Key Takeaways:
- Learn the six essential elements of loan structure.
- Explore loan support, including collateral and guaranties.
- Identify key commercial loan documentation issues.
- Review compliance considerations, including Reg B, BSA, FCRA, and UCC Article 9.
- Analyze real-world applications through a case study.
*This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
What You Will Learn
Who Should Attend
Your Instructor
David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. His extensive professional background of over 30 years encompasses 22 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development.
This course is covered under team memberships.
See Team Memberships