LIVE SEMINAR - Basics of Lending to Small Businesses
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Event Registration |
| 23 Mar 2010 |
08:30 AM |
4:30 PM |
University of Phoenix - New Meridian Location
1422 South Tech Lane
Meridian, ID
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Basics of Lending to Small Businesses - Live Seminar in Meridian, Idaho
Tuesday, March 23, 2010 - 8:30 a.m. to 4:30 p.m.
Click here for a printable brochure and registration form.
SEMINAR DESCRIPTION:
Creating a unique source of competitive advantage is becoming critical to success in small business lending. Large banks are pursuing a strategy of faster, better, cheaper focusing on simplified applications, auto-decisioning/credit scoring and faster turnaround. Community banks continue to utilize more traditional credit processes and judgmental decisioning, but have not focused their traditional strengths in knowledge of the customer, local decisioning and greater flexibility to create a compelling value proposition for the small business borrower.
This course 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
SEMINAR INSTRUCTOR:
John Barrickman, principle of New Horizons Financial Group, brings insightful, real world experience to this course. A former bank CEO and current faculty member at several graduate banking schools, he is continually exposed to the credit processes of banks of all sizes. This perspective enables him to address solutions to credit process issues regardless of the size, location, risk tolerance and competencies of the organization.
WHO SHOULD ATTEND?:
Commercial Lenders, Small Business Lenders, Branch Managers, Credit Analysts, Loan Review Personnel
REGISTRATION: (Lunch is on your own)
- IBA Members $225.00 ** Send More and SAVE! **
- Additional attendees from the same IBA Member institution $175.00 each **$Save 50.00**
- Non-Members $350.00.
Click here for a printable brochure and registration form.
Seminar to be held at the new University of Phoenix facility in Meridian, Idaho, located at 1422 South Tech Lane, Meridian, Idaho 83642 (off Overland Road, next to Roaring Springs).
Seminar check-in begins at 8:15 a.m.
Specific topics to be discussed include:
· Developing a mental picture of the borrower’s financial statement including mix of assets and liabilities, proportions of debt and equity, trend in sales and margins
· How financing needs arise in a small business and alternatives to meet those needs
· Projecting working capital requirements
· Underwriting and structuring small business loans
· Applying a series of decision rules to determine if a loan request meets basic bank underwriting guidelines
· Adjusting personal net worth and interpreting a personal cash flow statement to assess an individual’s ability to service debt or honor a guaranty
· Integrating business and personal cash flow to determine global cash flow available to service small business debt
· Evaluating the owner/management/management team
· Properly financing a growing business including determining when it is appropriate to say Enough is Enough
· Establishing expectations about key issues surrounding the lending relationship
· Using analytical tools to identify cross-sell opportunities and add value to the customer relationship
· Identifying potential problem small business borrowers
Case studies will be used to demonstrate application of the concepts.
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