Advanced Commercial Lending School

If you are a lender, are you ready to improve your game? If you manage or review commercial relationships, what are the key drivers of borrower performance after the loan has been closed?

This advanced, two-day course has the answers, with a focus on effective initial structuring and subsequent monitoring of commercial lending relationships. It goes beyond the basics of financial analysis and portfolio management to provide experienced bankers the advanced tools to influence credit quality and profitability. We explore critical quantitative factors such as the role of sales growth in the financial performance of the borrower, as well as qualitative issues of industry, market and management risks.

Participants will learn how to improve their handling of a loan portfolio such that credit quality can be maintained along with producing new revenues for the bank. We’ll unlock the mysteries of loan agreements and covenants to improve monitoring of existing credits and enhance future underwriting and renewals. Other monitoring issues, such as using a borrowing base are covered. We finish with a set of unconventional problem loan warning signals to better assist lenders in getting an early jump on a potential weakness

Event Dates

Wednesday, September 14, 2022 to Thursday, September 15, 2022

Location

IBA Center for Professional Development
8425 Woodfield Crossing Blvd, Suite 155E
Indianapolis, IN 46240-7321

Maps and Dining Options

Google Map

Registration

IBA Members

$595 first registrant

$495 for each additional registrant

Participation in IBA programs is limited to members, associate  members, and nonmembers from an eligible membership category  at applicable member or non-member rates. Surcharge of 100% for Non-Members.

Fees include, casebook, study materials, continental breakfast, lunch and refreshment breaks each day. 

Questions

If you have any questions please contact:

Elizabeth DeHaven at 317-387-9380 or edehaven@indiana.bank.

Program Topics
  • Applying the concept of a firm's sustainable growth rate (compared to actual sales growth) and its effect on the financial condition and performance of a business
  • Assessing industry, market and management risk and their effect on financial results and as part of an overall risk rating for the borrower
  • Ongoing cash flow, working capital and leverage issues of commercial borrowers. For instance, how to calculate (from financial statements) the equipment and other capital expenditures, determine "maintenance capex" and how to get these lending opportunities that your bank is likely missing.
  • Time permitting: monitoring commercial real estate
  • Managing commercial relationships to improve both credit quality and revenue opportunities
  • Negotiating, setting and monitoring loan covenants
  • Recognizing (early) potential problem loans