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Commercial and Business Lending Basics for Support Personnel

This webinar is designed to take the mystery out of the commercial and business lending process and the confusing terminology often used by lenders.

Upcoming
Monday, March 17th, 2025
1:30 pm - 3:30 pm
Presented by Richard Hamm
$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Customer Service
  • Lending
  • Management/Employee Development
  • Sales
  • Branch Manager
  • Community Reinvestment Act Officer
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • Human Resources Officer
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • New Accounts Representative
  • Private Banker
  • Senior Management
  • Teller
  • Training Manager
  • Trainer

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Lending is all about risk management. Support personnel have a key role in the commercial and business lending process, and they can help to create a safe and sound loan portfolio.

Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender and provides an overview of what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.

What You'll Learn

  • Overview of the key steps in the commercial and business lending process
  • Role of loan policy and typical content areas
  • Types of financial analyses conducted
  • Four keys to loan structuring, plus related terminology
  • Loans as defined by financing length or term (loans, lines of credit, etc.)
  • Loans as defined by collateral (secured or unsecured)
  • Loans as defined by third-party support (guaranteed or non-recourse)
  • Overview of how financial institutions establish a risk rating for commercial and business loans
  • Importance of ongoing loan monitoring after the loan is closed
  • Five Cs of Credit

Who Should Attend

This session is ideal for community institution personnel in non-lending roles and professionals in larger organizations in roles such as lending assistants, loan processors, loan operations personnel, new credit analysts, loan review personnel, internal auditors, and compliance specialists.

Richard Hamm

Instructor Bio

Richard Hamm has been training bankers for 28 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. He also conducts eight senior lender forums on a periodic basis in multiple states and one series at the national level.

He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 14 years, after a 22-year banking career including senior positions in lending and credit, plus president of a community bank through formation and acquisition of an existing bank. He has BS and MBA degrees from the University of Alabama.

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