Loan Structure, Documentation & Compliance Training: A Comprehensive Approach

LOAN STRUCTURE, DOCUMENTATION, AND COMPLIANCE TRAINING: A COMPREHENSIVE APPROACH

Attend this proactive webinar and receive 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 issues.

The webinar will be summarized through a comprehensive case study.

COURSE OBJECTIVES

1. Review Basic “business” Structure: C Corporations to LLC’s
2. Explore the Six (6) Elements of Loan Structure: Loan Purpose, Sources of Repayment, Adequate Amount, Appropriate Term, Adequate Support, Framework for Monitoring 
3. Summarize the Four (4) Elements of Loan Support: Collateral, Guaranties, Business Loan Agreements, Subordination Agreements
4. 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
5. Discuss Loan Pricing and Monitoring Issues
6. 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        
7. Analyze comprehensive Loan Structure/Documentation/Compliance Case Study

Audience:

Commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers

About the 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 includes 18 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. He has been an adjunct college professor for over 30 years including Nevada State College and College of Southern Nevada. He holds an MBA from Utah State University, a BS in finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of certified credit and risk analyst (CCRA) as granted by the National Association of Credit Management (NACM).