Posts tagged with "small business loan"

Fixing Small Business Loans

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Small Business Loan

Lending to small business is expensive because of origination, underwriting, capital, and many related costs. Most banks lose money when they make a business loan below $250K. In some cases banks avoid making small loans, missing out on a relationship opportunity and providing an inroad for Fintech lenders. Other banks either do not understand their loan economics or accept their losses, relying on deposits and the sale of other services for relationship profitability, a risky approach.

This banking webinar focuses on highlighting the small loan problem and providing specific and practical near-term steps banks can take to turn losses into profits. As will be discussed, the solution involves addressing organizational issues, pricing opportunities, revisiting risk criteria, and, potentially, implementing selected technology.

Pricing

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

Dates of Event

Tuesday, January 29, 2019

  • 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)

Charles Wendel
Founder/Owner
Financial Institutions Consulting

About the Speaker

Charles Wendel, the President of Financial Institutions Consulting (FIC), had extensive practical experience as a bank lender, relationship manager, and workout specialist before becoming a management consultant. Prior to founding FIC over 20 years ago, he was a Partner at Mercer Consulting and an Engagement Manager with McKinsey & Co., Inc.

Charles has consulted to money center and regional banks, insurers, and diversified financial services companies, both in the U.S. and 15 other countries.

Charles earned an M.B.A. in Finance and Marketing from Columbia University in addition to an M.A. and M.Phil. in English; he received his undergraduate degree from New York University.

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Small Business Lending Fundamentals for Banks and Credit Unions (2-Part Series)

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Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are capitalizing on their traditional strengths in knowledge of the customer, local loan decisions and greater flexibility in underwriting, structure and pricing to create a compelling value proposition for the commercial borrower. To remain competitive banks must streamline their underwriting of small business loans.

Branch managers, relationship managers and small business lenders are expected to source small business lending opportunities and grow the relationship with the customer. Unfortunately, many of these individuals do not have the skills to identify good lending opportunities, talk intelligently with small business people about their business, or recommend appropriate bank lending products. Compounding the problem, many of these individuals do not know what information to request from the borrower to support the request nor can they identify potential problems with the application and discuss appropriate mitigants. Many do not know how to underwrite a loan request to determine if the prospective borrower is credit worthy.

This business banking webinar will provide the participant with tools to:

  • Source better small business lending opportunities
  • Better match bank products and services to meet customer needs
  • More efficiently underwrite small business loans
  • Identify cross-sell opportunities
  • Add value to the customer relationship

Specific topics to be discussed include:

  • Prescreening the application
  • Determining financing needs in a small business and alternatives to meet those needs
  • Employing “30 Second” analysis to determine if the potential lending opportunity is one the bank should pursue
  • Analyzing corporate and personal tax returns
  • Assessing business and personal cash flow and the borrower’s ability to repay
  • Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
  • Evaluating the owner/management team
  • Applying the concepts in a case study

Pricing

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

Dates of Event

(Pt 1) Friday, December 7, 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 0m (Pacific Time)

(Pt 2) Friday, December 7, 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.

Register NowPay by Check

Business Banking with Small Commercial Loans

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Small Business Lending Sample Slide

Small Business Lending Sample Presentation Slide

How to implement and manage small commercial loans…

Smaller business loans can be profitable if they are handled quickly, cheaply, and safely. Business banking necessitates dealing with borrowers who have shorter track records, thinner credit files, and skinnier financial statements.

Attendees to this loan webinar will learn about:

  • Credit considerations in lending to smaller businesses
  • Fitting small business lending into bank
  • Establishing standardized credit and operations processes and policies for small business lending (SBL)

Join Dev Strischek in this new loan webinar as he explains why smaller businesses borrow, what kinds of loans they need, how to analyze and underwrite them, and how to monitor and manage this unique portfolio.

Pricing

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

Dates of Event

Friday, August 17, 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.

Register Now Pay by Check

Small Business Lending Fundamentals for Banks and Credit Unions (2-Part Series)

Register Now

Many banks are focusing on small business lending to grow loan volume and core deposits. To compete with marketplace lenders, banks are capitalizing on their traditional strengths in knowledge of the customer, local loan decisions and greater flexibility in underwriting, structure and pricing to create a compelling value proposition for the commercial borrower. To remain competitive banks must streamline their underwriting of small business loans.

Branch managers, relationship managers and small business lenders are expected to source small business lending opportunities and grow the relationship with the customer. Unfortunately, many of these individuals do not have the skills to identify good lending opportunities, talk intelligently with small business people about their business, or recommend appropriate bank lending products. Compounding the problem, many of these individuals do not know what information to request from the borrower to support the request nor can they identify potential problems with the application and discuss appropriate mitigants. Many do not know how to underwrite a loan request to determine if the prospective borrower is credit worthy.

This business banking webinar will provide the participant with tools to:

  • Source better small business lending opportunities
  • Better match bank products and services to meet customer needs
  • More efficiently underwrite small business loans
  • Identify cross-sell opportunities
  • Add value to the customer relationship

Specific topics to be discussed include:

  • Prescreening the application
  • Determining financing needs in a small business and alternatives to meet those needs
  • Employing “30 Second” analysis to determine if the potential lending opportunity is one the bank should pursue
  • Analyzing corporate and personal tax returns
  • Assessing business and personal cash flow and the borrower’s ability to repay
  • Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
  • Evaluating the owner/management team
  • Applying the concepts in a case study

Pricing

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

Dates of Event

(Pt 1) Thursday, June 28, 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 0m (Pacific Time)

(Pt 2) Thursday, June 28, 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.

Register NowPay by Check

Business Banking with Small Commercial Loans

Register Now

How to implement and manage small commercial loans

Smaller business loans can be profitable if they are handled quickly, cheaply, and safely. Business banking necessitates dealing with borrowers who have shorter track records, thinner credit files, and skinnier financial statements.

Join Dev Strischek in this new loan webinar as he explains why smaller businesses borrow, what kinds of loans they need, how to analyze and underwrite them, and how to monitor and manage this unique portfolio.

Pricing

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

Dates of Event

Wednesday, May 9, 2018

  • 3:00 – 4:00 pm (Eastern Time)
  • 2:00 – 3:00 pm (Central Time)
  • 1:00 – 2:00 pm (Mountain Time)
  • 12:00 – 1:00 pm (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.

Register Now Pay by Check