April 28-30
CU Business 
Lending Bootcamp
sponsored by Louisiana/Cornerstone Leagues' Member Business Services Council


 

Is your credit union interested in offering business lending, and you're looking for a comprehensive overview of the process?  Are you introducing new team members to business lending and need a jumpstart orientation?  Or could you use a refresher with best practices from a leading expert in the field of business lending?  This program is for you!   

You won't want to miss this loaded, high-impact program! 


 Come join us on April 28, 29, and 30th at the Cornerstone Credit Union League, 4455 LBJ Freeway - 10th floor, Farmers Branch, TX, 75244-5998

 
So what are we going to learn?

 

Day 1 (8:30 am - 4:30 pm):

Welcome, Course Overview and Agenda

How Are We Performing? 

  • MBL stats and results

MBL Rules and Regulations

Examiner Hot Buttons
  • What to expect at your next examination 
  • Common issues and areas of concern
  • How to effectively work with examiners

MBL Policy and Procedures

  • Developing a policy
  • Creating procedures
  • MBL department business plan

Common Loan Types and Structures

Business Application Process
  • Key questions to ask
  • Required forms and financial documents

Introduction to Underwriting

  • Key criteria
  • Risk ratings
  • Financial analysis
  • Non-financial analysis

Loan Pricing and Fees

 

Day 2 (8:30 am - 4:30 pm):

Tax Return Analysis

  • Personal tax returns
  • Sole proprietorships
  • Partnerships and LLC's
  • Corporations
  • Real estate holding companies

Financial statement analysis

  • Personal financial statements
  • Business financial statements

Cash Flow Analysis

  • EBITDA and DSCR
  • NOI and Income producing real estate
  • Global cash flow analysis
  • UCA and other methods of cash flow analysis

Financial Ratio Analysis

  • Calculation and using the key ratios

Collateral Analysis

  • Real estate appraisals
  • Valuing non-real estate collateral
  • Environmental due diligence

 

Day 3 (8:30 am - 4:30 pm): 

Credit Presentation and Loan Approval Process

  • Case study

Annual Risk Reviews and Risk Monitoring

  • Case study

Loan Closing Documents

Underwriting and Managing Participations

  • Final Case Study

Other Issues

  • Starting and/or growing a program
  • Collections and troubled loans
  • Business deposits

Wrap-up and Q&A

 
About the Presenter
Mike Smith,  Vice President/Senior Business Services Officer, CU BusinessGroup       
Mike has over 21 years experience in commercial banking, business consulting and education. Before joining CUBG he served as a Commercial Loan Officer and Vice President of a Texas based community bank where he was responsible for business development and portfolio management with an emphasis on real estate and healthcare banking.

 

Previously he was Director of the Small Business Development Center and an adjunct instructor at Lone Star Community College System in Houston. Mike consults with credit unions on all aspects of business services and develops and delivers curriculum for CUBG's education programs.
Should I be going to this?

This program is recommended for any staff member looking for a comprehensive look at the business lending process:

  • Lending Directors
  • Loan Officers & Credit Analysts
  • Loan Committee Members
  • Branch Managers
  • Trainers 
I'm in! How do I register?

Your Educational Investment: 

 

MBSC Members:


 All 3 days - $475 per person

Single day registration - $200 each day/per person


 

Non-Members:

 

All 3 days - $595 per person

Single day registration - $250 each day/per person

  

Click here for registration form

 

Note: Registration Form only allows payment by check.  If you would like to pay via ACH through your Catalyst Corporate account, please e-mail Janine McBee and provide your routing and account number.  

 

For more information, or questions, contact: 

 

Janine McBee, Sr. Training Director

Cornerstone Credit Union League
800.442.5762 x6634 or 469.385.6634
[email protected]

 

Cancellation Policy

 

Substitutions are always welcome. Registration refunds, less a $150 processing fee per person, are granted for cancellations received by May 11, 2015. No refunds will be granted after May 11.

 

 
Join our Council!

Membership is only $100 and $75 for each additional person from the same CU. Benefits include access to members-only content on our website, listserv, education program discounts and more!  

Need Accommodations?

14021 Noel Road
Dallas, TX 75240
Phone: 972-364-3640


 

Mention Cornerstone Credit Union League to receive the corporate rate of $134.   

 

Corp Code if needed : 2851753

 

Includes: complimentary daily newspaper, cooked to order breakfast and evening managers reception with beverage and light snacks


Complimentary shuttle services to League offices