Calendar of Events

Loan Structure, Documentation and Compliance

11/01/2018, 10:00 AM to Noon

No location provided

Amy Davis adavis@msbankers.com 601-948-6366

Description:
Loan Structure, Documentation and Compliance


Presented by David L. Osborn
Thursday, November 1st, 2018

10:00 am - 12:00 pm CT

TOPICS
  • Review Basic “business” Structure: C Corporations to LLC’s
  • Explore the Six (6) Elements of Loan Structure: Loan Purpose, Sources of Repayment, Adequate Amount, Appropriate Term, Adequate Support, Framework for Monitoring
  • Summarize the Four (4) Elements of Loan Support: Collateral, Guaranties, Business Loan Agreements, Subordination Agreements
  • Highlight “commercial” Loan Documentation issues including promissory notes, security agreements, and guaranties along with the use of the BSA Loan Rating, Collateral Rating, and C&I Borrower Rating Matrixes
  • Discuss Loan Pricing and Monitoring Issues
  • Review current compliance issues: Equal Credit Opportunity Act (Reg B), Truth in Lending Act (Reg Z), Bank Secrecy Act (BSA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act, and UCC Article 9
  • Analyze comprehensive Loan Structure/Documentation/Compliance Case Study
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