COMMERCIAL LENDERS BASIC TRAINING SCHOOL, 2008
$995.00 Per Person Includes:
Hands – On Training
Materials
Highly Experienced Instructor
Two Professional Speakers
Book - “Financial Management for the Closely Held Business,” by David Enger
One Lunch & One Dinner
Summary Course Outline:
Pre-class HomeworkSpreadsheet, calculations, definition and reading from David Enger’s book
Monday – begins at 7:15amThe role & skills of a Commercial Loan Officer
Financial statements & tax returns
Review of your company loan request
Review of pre-class homework
Lunch with speaker – Federal Reserve Bank Officer
Ratio discussion
Analysis discussion
Begin Financial Statement analysis
Discussion of your assigned company
Discussion of the company business call
Prepare for the business call
TuesdayCompany business call
Debriefing of the business call
Prepare the “Business Call Report”
Loan Structuring
Begin the credit request
WednesdayDiscussion & completion of the Credit Request
Mock Loan Committee
Revision of credit request
Reception and dinner with speaker – Legal ramifications
of the loan agreement and the loan commitment
ThursdayMock Loan Committee, continued
Lenders liability
Loan commitment letter
Loan agreement
Finalize credit request
Complete the loan package for BBW Loan Committee
Distribute package with a discussion of the Loan
Committee Structure
Cash Flow
Friday – ends at 10:00amBBW Loan Committee presentation
BBW lenders comments
Graduation
*Agenda subject to change(OVER)
Attendee Equipment and Background Requirements:
A laptop is required when attending this class; the requirements for the laptop are as follows:
Your laptop must have a 3.5” floppy or CD drive and Windows 95 or a better Operating System.
MS Word and Excel 97 will also be required. It cannot be a Linux or MAC laptop.
Ability to use Microsoft and Excel. Internet connectivity will not be provided.
Working knowledge of personal and business financial statements
Working knowledge of basic accounting and basic analysis
Lodging:
Arrangements have been made at The Residence Inn Denver City Center . The rate includes a full breakfast each day and a light supper in the evening.
Instructor:
William (Bill) D. Edwards
Mr. Edwards brings over 40 years of contemporary commercial lending experience to the students and situations presented. Mr. Edwards has been involved locally and nationally in commercial lending as a commercial lender, president of several community banks, CFO of a multi-state manufacturing company and as a consultant to businesses seeking commercial loans.
This experience, in both good times and bad, provides Mr. Edwards with a vast reserve of commercial loan examples and situations that provide invaluable insight and perspective to the attendees of his seminars. He is able to create a solid understanding for the need for disciplined and complete commercial lending practices, thus avoiding bank losses and other problems.
He keeps the attendees involved and enjoying their assignments through a combination of ratio analysis, analytical challenges, written and verbal communication exercises and a witty sense of humor.