Lending
Business Financial Statements and Tax Returns – Cash vs. Accrual Accounting Refresher-Sp25
This program provides a refresher for the key issues in determining which method of accounting is being used when reviewing financial statements, and what it means for the analysis process.
Business Financial Statements and Tax Returns – Components of Business Financial Statements & Tax Returns-Sp25
This session provides a base understanding of the basic components of the balance sheet and income statement, along with the reconciliation of retained earnings, plus footnotes and other disclosures.
Business Financial Statements and Tax Returns – Developing and Analyzing Key Financial Ratios-Fa24
This program covers how to calculate and analyze the basic set of financial statement (or tax return) ratios for operating businesses.
Business Financial Statements and Tax Returns – Navigating and Analyzing a Business Tax Return-Sp25
This program unlocks the key issues in analyzing business tax returns by creating a business tax return from a conventional financial statement.
Commercial Lending – Expanding from Global Cash Flow into Global Analysis-Sp25
This seminar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations.
Commercial Lending – Five Keys to Better Credit Memos and Loan Packages-Sp25
This program is centered around basic writing principles, but applied to lending.
Commercial Lending – Global Cash Flow Mechanics, Including Living Expenses-Sp25
This seminar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations.
Commercial Lending – Improving Commercial Loan Pricing and Profitability-Sp25
Learn how to improve your bank’s loan pricing and profitability in three key steps.
Commercial Lending – Introduction to Commercial Lending-Sp25
This program is for those new to business or commercial lending or those who work in a supporting role.
Commercial Lending – Introduction to Global Cash Flow-Sp25
This seminar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations.
Commercial Lending – Loan Agreements and Covenants-Sp25
This program covers the basics of loan agreements, starting with the typical structure of the document and the roles of financial and non-financial covenants (some covenants achieve more than one objective).
Construction Lending – Administering and Monitoring Commercial Construction Loans-Sp25
This program covers the important steps involved in effectively administering commercial construction loans, including common errors to avoid.
Construction Lending – Administering and Monitoring Residential Construction Loans-Sp25
This program provides an overview of the major issues involved in consumer or residential construction lending, primarily to individuals having a home built or remodeled.
Construction Lending – Issues in Underwriting Commercial Construction Loans-Sp25
This program provides an overview of the key issues involved in analyzing and underwriting commercial construction loans and assessing the risk involved.
Consumer Lending – Analyzing Personal Financial Statements and Loan Applications-Sp25
This seminar is designed to strengthen your ability to analyze personal financial statements and loan applications within a simple, logical and consistent framework.
Consumer Lending – Introduction to Consumer Lending-Fa24
This program is for those new to consumer lending or those who work in a supporting role.
Consumer Lending – Overview of Credit History and the Role of Collateral-Sp25
This seminar is a practical guide to credit bureau reports, issues with collateral, and a brief overview of the regulatory, compliance and fair lending environment.
Consumer Lending – Overview of Residential Mortgages and Home Equity Lending-Fa24
This program provides an overview of the entire mortgage process, including home equity lending.
CRE Appraisals – Appraisal Approaches to Value De-mystified-Fa24
This program focuses on the three approaches to value that drive the review and interpretation of the property appraisal.
CRE Appraisals – Key Appraisal Components Beyond the Approaches to Value-Fa24
This program looks at these other sections and how to effectively analyze them as part of the appraisal review process.
CRE Appraisals – Overview of Appraisal Rules/Guidelines and the Review Process-Sp25
This program briefly reviews some issues of the entire appraisal process, such as selecting and engaging a qualified appraiser, but focuses primarily on the current rules and guidelines that apply to the review process.
CRE Appraisals – Overview of Evaluations and Other Valuation Options-Fa24
An important part of the commercial real estate (CRE) lending process is to establish the value of the collateral, and in many cases, the value does not need to come from a new appraisal. This program reviews these options that have been in place since the initial set of interagency appraisal guidelines in 1994.
CRE Lending – Cap Rates and Factors Beyond Debt Coverage and Loan-to-Value-Sp25
This program covers how capitalization (“cap”) rates are derived and their role in the income approach to CRE market value.
CRE Lending – Developing a Cash Flow and Key Ratios-Fa24
This program demonstrates (from a case study) the key variables and concepts for determining real estate cash flow, including transaction-level stress-testing and where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.
CRE Lending – Developing a Global Analysis of Property Holdings-Sp25
This program provides a framework not only for arraying the various properties, but a strategy for determining the risk of individual properties.
CRE Lending – Issues with Property Types & Lease Structures-Fa24
This program covers key features and components of commercial lease agreements.
Personal Tax Returns and Cash Flow – Advanced Personal Cash Flow Issues, Including Capital Gains-Sp25
Many bankers underwrite loans primarily from personal and business tax returns, particularly at the community bank level. What reported income is actually cash flow? How can we properly assess a large capital gain (or loss)? How can you determine of an item is recurring? Why should you exclude non-recurring items? How do loss carryforwards affect cash flow? What is the Section 179 deduction? This program provides answers and provides case examples.
Personal Tax Returns and Cash Flow – Focus on Global Cash Flow as an Underwriting Tool for Businesses and Owners-Sp25
This program reviews most common global cash flow approaches used by bankers, plus some of the analytical and conceptualize issues encountered.
Personal Tax Returns and Cash Flow – Focus on Pass-Through Entities and Schedule K-1s-Sp25
This seminar covers how to analyze personal tax returns to develop cash flow within a simple, logical and consistent framework.
Personal Tax Returns and Cash Flow – Focus on Sole Proprietorships, Rental Property and Farms-Sp25
This program focuses on the Form 1040 and determining what reported income (expense) involves cash inflow (outflow).
SBA Lending – Avoid Costly Mistakes in the SBA Loan Closing Process-Sp25
This course is designed to address the differences between a routine commercial loan closing and the requirements of SBA to properly close the loan and to retain the SBA loan guaranty.
SBA Lending – How SBA Reviews Your SBA Loan Portfolio-Sp25
The purpose of this course is to detail the criteria that SBA considers when evaluating a bank’s SBA portfolio and methods to improve your risk rating with SBA.
SBA Lending – How to Liquidate an SBA Loan-Sp25
The purpose of this course is to explain the various steps and how to document/complete each step.
SBA Lending – Protect Your SBA Guaranty-Sp25
Learn how to navigate the SBA program and retain your SBA loan guaranty.
SBA Lending – SBA Loan Programs and When to Use Each One-Sp25
Learn about each SBA program and how to identify which program to use when discussing loan options with your borrowers.
SBA Lending – The Need for an SBA Loan Policy-Sp25
This course provides information on why banks need an SBA loan policy.
SBA Lending – What You Need to Know About Refinancing With the 7(a) and 504 Loan Programs
Learn how to help your business borrowers’ cash flow through refinancing with SBA’s loan programs including 7(a), 504, SBA Express, and Working Capital loans.”
SBA Loan Programs – What’s New in 2025-Sp25
This webinar will get you up to speed on what the programs look like today, what has been updated in the latest SOP, and what you need to know for processing loans in today’s environment.
Sound Practices for Liquidity Risk Management-Sp25
This session is designed to give participants practical knowledge and insights to implement liquidity risk management practices in their institution.