Posts tagged with "loan webinar"

Financial Statement Analysis for Lenders (2-Part Series)

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A critical part of any lender’s or credit analyst’s job is analyzing a borrower’s financial condition. The analysis provides perspective on the borrower’s historical performance and provides the foundation for projecting future performance. The analysis should also become a tool to add value to the customer relationship. The lender or analyst can use his or her expertise combined with insight gained from the financial analysis to better focus bank products and services to meet customer needs.

This Loan Webinar will familiarize participants with fundamental analytical tools including component, comparative/common-size, ratio and cash flow analysis. Students will apply the tools in a case study.

After completing this online lending seminar, participants will be able to:

  • Employ “30 Second” analysis to determine if the lending opportunity is one the bank wants to pursue
  • Analyze a balance sheet, especially liquidity and leverage
  • Analyze an income statement, especially margins and profitability
  • Analyze asset efficiency
  • Utilize five approaches to cash flow analysis
  • Utilize a Loan Screening Worksheet built around the 5Cs of credit to assess a borrower’s credit worthiness
  • Apply the concepts in a case study

Who Should Attend?

  • Credit Analysts
  • Commercial and Small Business Lenders
  • Branch Managers
  • Private Bankers
  • Loan Review Personnel

Pricing

$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Tuesday, December 4, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Tuesday, December 4, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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Key Lender Mistakes in Underwriting and Structuring Commercial Loans

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Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is the lenders who have contributed to the borrower’s problems. This loan webinar will focus on key lender mistakes which precipitate or exacerbate portfolio loan problems.

Attendees will leave with an understanding of the following mistakes and ways to avoid them:

  • Mistake 1: Failing to Distinguish Between a Temporary Investment in Current Assets and a Permanent Investment
  • Mistake 2: Inappropriately Financing Working Capital
  • Mistake 3: Putting the Customer in the Wrong Loan Product
  • Mistake 4: Inappropriately Defining Cash Flow Available for Debt Service
  • Mistake 5: Failing to Have a Structured Approach to Determine When to Say Enough is Enough i.e. Term Out a Line of Credit
  • Mistake 6: Failing to Establish Expectations with the Customer
  • Mistake 7: Over Reliance on Collateral and Guaranties
  • Mistake 8: Multiple Exceptions/Variances to Approve a Loan
  • Mistake 9: Failing to Provide Adequate Attention to the Bank’s Good Customers

Who should attend?

  • Lenders and Underwriters
  • Credit Analysts and Administrators
  • Loan Auditors and Examiners
  • Loan Review and Special Assets Personnel
  • Bank and Credit Union Executives, Directors and Chief Lending Officers

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. This event was previously recorded.

Dates of Event

Tuesday, October 23, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

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Commercial Lending Fundamentals: 3-Part Webinar Series

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This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.

Sign up for 1, 2 or all 3 Parts!

PART 1

Basics of Commercial Lending and Analysis

Monday, September 24, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

PART 2

Structuring Commercial Loans Properly  

Tuesday, September 25, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

PART 3

Documentation Basics and Best Practices

Wednesday, September 26, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker

Robert Dyck
Principal
The Credit Culture and Robert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

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About the Speaker

As a banker for 37 years and a Chief Credit Officer, Robert feels strongly about the quality of loan officers and the need for more credit training. He has been instrumental in educating credit professionals through Robert Dyck Consulting and The Credit Culture.

Prior to dedicating himself to improving the knowledge base of bankers and credit union professionals across the country, Robert was the Executive Vice President and Chief Credit Officer for 15 years at Pacific Western Bank and PacWest Bancorp. He has been a regular instructor for BankersHub in all aspects of Commercial Lending.

Commercial Lending Fundamentals: 3-Part Webinar Series

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This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.

Sign up for 1, 2 or all 3 Parts!

PART 1

Basics of Commercial Lending and Analysis

Monday, September 24, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

PART 2

Structuring Commercial Loans Properly  

Tuesday, September 25, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

PART 3

Documentation Basics and Best Practices

Wednesday, September 26, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker

Robert Dyck
Principal
The Credit Culture and Robert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Register Now Pay by Check

About the Speaker

As a banker for 37 years and a Chief Credit Officer, Robert feels strongly about the quality of loan officers and the need for more credit training. He has been instrumental in educating credit professionals through Robert Dyck Consulting and The Credit Culture.

Prior to dedicating himself to improving the knowledge base of bankers and credit union professionals across the country, Robert was the Executive Vice President and Chief Credit Officer for 15 years at Pacific Western Bank and PacWest Bancorp. He has been a regular instructor for BankersHub in all aspects of Commercial Lending.

Predicting Portfolio Credit Quality

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Loan portfolio quality imageBanks have traditionally relied on historical credit performance as a good predictor of future portfolio credit quality.  Yet, history suggests prior credit performance is a very poor predictor of future credit performance.  Many banks enjoyed historically good portfolio credit performance from 2002 to 2007 only to experience significant credit problems from 2008 to 2012 and several of those banks failed.  What other indicators might have been better predictors of future credit performance?  

This loan webinar will introduce tools which have been proven to be much better predictors of future credit performance. Participants will have the opportunity to assess the vulnerability of their bank to potential volatility in portfolio credit performance.

 

Specific subjects covered in the loan webinar include:

  • Institution’s risk appetite, tolerance for risk and risk culture

  • Strategic risk management

    • Priorities

    • Culture

    • Risk strategy

    • Risk controls

  • Three Deadly Sins of Portfolio Management

    • Poor distribution of asset quality ratings

    • Excessive exposure to higher risk types of lending

    • Excessive portfolio concentrations

  • Institution’s risk profile

    • Risk rating framework

    • Industry/types of lending risk assessment

    • Concentrations

  • Identifying potential problem industries/borrowers

  • Industry trends potentially impacting portfolio credit quality and earnings

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded.

Dates of Event

Monday, September 24, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

Register Now Pay by Check

Commercial Lending Fundamentals: 3-Part Webinar Series

Register Now

This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.

Sign up for 1, 2 or all 3 Parts!

PART 1

Basics of Commercial Lending and Analysis

Monday, September 24, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

PART 2

Structuring Commercial Loans Properly  

Tuesday, September 25, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

PART 3

Documentation Basics and Best Practices

Wednesday, September 26, 2018

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker

Robert Dyck
Principal
The Credit Culture and Robert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Register Now Pay by Check

About the Speaker

As a banker for 37 years and a Chief Credit Officer, Robert feels strongly about the quality of loan officers and the need for more credit training. He has been instrumental in educating credit professionals through Robert Dyck Consulting and The Credit Culture.

Prior to dedicating himself to improving the knowledge base of bankers and credit union professionals across the country, Robert was the Executive Vice President and Chief Credit Officer for 15 years at Pacific Western Bank and PacWest Bancorp. He has been a regular instructor for BankersHub in all aspects of Commercial Lending.

Key Issues in Underwriting Commercial Loans

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Loan UnderwritingThe loan approval process quite often involves individuals who are not active in lending, e.g., board members.  Often individuals are placed in lending positions without comprehensive training.  Loan support personnel and credit analysts quite often do not have a comprehensive view of the loan underwriting process.  Each of these individuals plays a key part in the lending process and should have a fundamental understanding of how commercial loans are underwritten, decisioned and structured.

This commercial loan webinar will provide participants with a comprehensive overview of the process used to underwrite commercial loans.  Participants will be provided templates and screening frameworks to help quickly assess whether the loan requests merits more comprehensive under writing..

Topics to be discussed include:

  • Defining the purpose and focus of financial analysis – “30 Second” Analysis
  • Identifying financing needs and the appropriate loan product to meet those needs
  • Utilizing ratios to quantify the 5 Cs of Credit – Loan Screening Worksheet
  • Defining cash flow available for debt service
  • Determining when to say – enough is enough
  • Addressing key issues in loan structure

Who Should Attend:

  • Board Members
  • Non-lenders serving on loan committees
  • Junior Lenders
  • Credit Analysts
  • Experienced Lenders as appropriate

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event recorded previously.

Dates of Event

Monday, September 24, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

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TRID Update for October Changes – New Rules and Clarifications

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This loan webinar reviews the TRID (TILA-RESPA Integrated Disclosures) Clarifications, Corrections, and Technical Amendments that were published in 2017 with a mandatory compliance date of October 1, 2018. In this critical compliance update, the Wipfli presenters will provide an overview and coverage of the new rules and discuss the proper completion, timing, and delivery of the Loan Estimate Form, Closing Form, Escrow Closing Notices, and Partial Payment Policy Disclosures.

Topics covered include the following:

  • Construction loan disclosures
  • Disclosures for simultaneous subordinate lien loans
  • Total of Payments tolerances
  • Good Faith and revised disclosures
  • Calculating Cash to Close table
  • Loan Estimates and Written Lists of Providers
  • Miscellaneous Closing Disclosure and other provisions of the final rule
  • Other technical corrections and clarifications

In addition, presenters briefly discuss the final rule published in April 2018, which closed the “black hole” debate surrounding good faith, and resetting tolerances. 

We will provide answers to these questions and more: 

  • What’s changed? What has remained the same?
  • How accurate does the loan estimate have to be?
  • Under what circumstances may a revised loan estimate be issued?
  • What’s the total interest percentage, and how is it calculated?
  • When must closing be postponed?
  • Who is responsible for preparing and delivering closing disclosures to the consumer?
  • In the amendment (or proposed amendment), what was clarified and what seems to be changed?

This event summarizes the information to help you break down the actions you should take to ensure you are in compliance by October 1.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded

Dates of Event

Friday, September 21, 2018

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Tim Tedrick

Partner, Wipfli CPAs and Consultants

About the Speaker

Tim Tedrick is a partner in Wipfli’s financial institutions practice. He is responsible for overseeing the compliance and Bank Secrecy Act (BSA) services firmwide. Tim stays informed of the risks and up to date with the ever-changing regulatory environment. He enjoys being a reliable resource for financial institutions while helping them meet the challenges of regulatory and operational issues.

Certifications

  • Certified Regulatory Compliance Manager
  • Certified Risk Professional

Professional Memberships and Activities

  • Taught at bankers association schools at state and national levels
  • Frequent and much-requested speaker at conferences, forums, and seminars
  • Moderates the ComplianceHelp Live peer groups for the firm

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Cash Flow Projections for Assessing Borrower’s Ability to Repay

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How to forecast a borrower’s ability to repay its obligations over the term of a loan.

One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its loans based on the financial information available.

Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project balance sheet, income statement, and cash flows over the term of a loan.

Learn key assumptions in a projection and how to assess validity, the value of a downside-most likely projection to stress test the assumptions.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, September 13, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Dev Strischek

Principal, Devon Risk Advisory Group

About the Speaker

As the Principal for Devon Risk Advisory Group, Dev Strischek brings years of senior experience in financial services to his clients around the areas of risk policy, risk culture, and portfolio risk management. Dev also serves as a Member of the Private Company Council for FASB. Prior to those roles, Dev served for 18 years at SunTrust Bank, retiring as their Sr Vice President and Senior Credit Policy Officer for the bank. Dev is a frequent industry speaker on many aspects associated with credit risk and compliance, as well as loan policy best practices. He has also authored many industry trade articles on principles and practices, problems and issues relevant to risks that financial organizations must manage.

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Analyzing Corporate and Personal Tax Returns for Lenders (2-Part Webinar)

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Tax accounting for lenders

Small business lenders often rely on tax returns when analyzing a borrower. Tax returns can provide significant information to assess the small business borrower’s credit worthiness and repayment capacity if the lender knows what information to request and analyze. The schedules such as Schedules K, K-1, M-1 and M-2 can be confusing. Further complicating the analysis of tax returns of borrowers organized as S Corporations and LLCs; many items of income and expense flow through to the shareholders, partners and members personal tax return.

One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return. Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow.

After completing this 2-part online loan webinar, participants will be able to:

  • Compare a borrower prepared business financial statement and tax return
  • Interpret Forms 1120, 1120 S and 1065 including supporting schedules e.g. K-1
  • Determine the liquidity, solvency and marketability of a borrower’s personal net worth
  • Analyze a personal tax return and supporting schedules including partnership, S Corporation, and LLC K-1s
  • Utilize a Loan Screening Worksheet containing four key financial ratios
  • Integrate business and personal cash flow to construct global cash flow
  • Assess the adequacy and volatility of cash flows and describe the impact on loan structure including term, collateral advance rates, coverage ratios and financial leverage
  • Apply the concepts in one case study

Who Should Attend?

  • Credit Analysts
  • Commercial and Small Business Lenders
  • Branch Managers
  • Private Bankers
  • Loan Review Personnel

Pricing

$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Monday, September 10, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time

(Pt. 2) Monday, September 10, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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