Event Calendar

Monday, February 14, 2022

Commercial Lending Ins & Outs Webinar Series

Start Date: 1/31/2022 8:00 AM MST
End Date: 2/14/2022 9:30 AM MST


Organization Name: Independent Bankers of Colorado

Contact:
Maelynn Lewis
Email: mlewis@ibcbanks.org
Phone: (303) 832-2000

Key Ratio Analysis: Calculating & Interpreting the Numbers Correctly!
Monday, January 31, 2022, 7:55 – 9:30 a.m.
Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including bankers use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner? Attend this proactive webinar and learn a “five-step” analysis plan to calculate the key ratios covering liquidity, activity, leverage, operating performance, and cash flow analysis and correctly interpret the financial condition of the business client. Upon completion of this webinar, the bank employee will also be able to better negotiate with their business clients as well as other financial professionals. The session will also include a review of “spreading” a financial statement using Moody’s Lending Cloud software in order to better analyze the key ratios. This section will also include the bankruptcy (Z-score) predictor and sustainable growth models. Two case analyses will be presented to illustrate the main concepts associated with key ratio analysis. Have a calculator/laptop with Excel available during the webinar.
 
Major Topics
  • Utilize a “five-step” ratio analysis plan to calculate/interpret the key ratios
  • Discuss “negotiating” with other financial professionals using the ratios
  • Review the Z-score and sustainable growth models
  • Case analyses: Applying the concepts!
Audience:
Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers.
 
Commercial & Industrial (C&I) Lending in Today’s Competitive Market
Monday, February 7, 2022, 7:55 – 9:30 a.m.
This webinar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure. This training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a “Borrowing Base Certificate” (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the webinar will also cover the proper evaluation of the borrower’s financial statements. Additionally, the webinar will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The webinar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.
 
Objectives:
  • Review C&I lending
  • Discuss C&I loan products and their typical structure
  • Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing
  • Analyze the Borrowing Base Certificate (BBC)
  • Evaluate the borrower’s financial statements
  • Review the documentation, collateral, pricing, and managing of C&I loans
  • Develop the marketing of C&I loans in today’s economy
Audience:
Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers.
 
Commercial Real Estate (CRE) Lending in Today’s Economy
Monday, February 14, 2022, 7:55 – 9:30 a.m.
This webinar will begin with a review of “commercial real estate” including types of properties and demand/supply in the “current” market. The session will then cover the entire “loan process” by which a commercial real estate (CRE) loan is marketed, underwritten, approved, documented, “closed,” and monitored. The process will include a discussion of CRE underwriting techniques and loan documentation issues. Additionally, strategies to handle a problem CRE loan will be addressed.
 
Objectives
  • Review commercial real estate including types of properties and demand/supply in the current market
  • Gain an understanding of how banks process CRE loans
  • Learn the steps of marketing, underwriting, approving, documenting, closing, and monitoring a CRE loan
  • Cover CRE loan underwriting techniques and documentation issues
  • Address problem CRE loan issues
Audience:
Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers.
 
Presenter
David L. Osburn, Osburn & Associates, LLC
David L. Osburn, MBA, CCRA, is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners. His extensive professional background of over 30 years includes 20 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. Mr. Osburn has also been an adjunct college professor for over 30 years including College of Southern Nevada.
 
Registration Details
Register for the entire 3-part series and $ave or pick and choose the session(s) that best meet your personal and professional learning objectives.
 
Registration fee is per person. The webinar will be conducted via GoToWebinar. To register click here, use this link: https://www.ibcbanks.org/ev_calendar_day.asp?date=8/16/2021&eventid=903  or complete the below registration form. You will receive connection information prior to the program. Registration deadline is one week prior to the offering. Cancellation Policy: Written cancellation, email accepted, must be received on or before Friday, January 14, 2022, and will be subject to a $75 cancellation fee. NO refunds will be granted after Friday, January 14, 2022; however, a substitute may attend. IBC reserves the right to cancel any program for which there is insufficient funds to cover the expense of the program. In the event of cancellation by IBC registration fees will be refunded.

Pricing
 
  Series Additional Registrants Individual Session(s) Individual Session(s) Additional Registrants
IBC Ed Program Member $550 $500 $230 $205
IBC Ed Program Member – Live & Recorded $775   $325  
IBC Member $650 $600 $245 $225
IBC Member – Live & Recorded $875   $350  
IBC Non Member $850 $800 $375 $350
IBC Non Member – Live & Recorded $1,075   $365