Advanced Lending Institute

Advanced Lending Conference


June 16 & 17; June 23 & 24, 2020

Week One Presenting Sponsor



Tuesday, June 16—Aaron Lewis
9 am—Welcome and Introduction

Underwriting the Self-Employed Borrower for Retail Credits (Installment/Residential Mortgage)

  • Personal Financial Statements—including discussion of information used for both underwriting and driving additional product offerings
  • Credit Reports—including discussion of information used for both underwriting and driving additional product offerings
  • Tax to cash analysis—Using Sample Form 1040, including Schedule C, E, and F.  Additional discussion regarding Capital Gains, Installment sale income, and other closely held businesses

 10:15 am—Coffee Break

Global Cash Flow Analysis

  • Schedule K-1—Discussion of pass through entities
  • Transfer of Capital—distributions and contributions—minimum capital requirements for business customers
  • Reminders for Global DSCR including debts to include
  • Beyond debt service coverage, global liquidity and leverage—how do other businesses owned by principal affect repayment of borrowing entity

12 noon—Adjourn

Wednesday, June 17—Aaron Lewis
9 am—Welcome and Introduction

Financial Statement Analysis

  • Level of assurance in financial statements—hierarchy of statement assurance
  • Ratio analysis—beyond the formulas including solvency, liquidity, leverage, and efficiency
  • Understanding turnover ratios and entity operating cycle

 10:15 am—Coffee Break

Loan Officer/Credit Analyst Relationship

  • Importance of providing a complete underwriting package to credit
  • Communication to credit, including developing meaningful file narratives
  • Importance of “footprints” in the file
  • Introducing the credit analyst to the borrower, why and when this should occur

12 noon—Adjourn     

                                                                      Week Two Presenting Sponsor 


Tuesday, June 23—Dawn Kincaid
9 am—Welcome and Introduction

Lending Policy & Procedures

  • Laying the foundation and establishing the controls of your lending program.  Discussion of policy and procedure best practices, including setting limits, defining expectations and documenting exceptions.

10:15 am—Coffee Break

Appraisals and Evaluations

  • Quality control techniques and ensuring your reports support your lending decisions.  Update on recent updates on appraisals versus evaluation requirements.

12 noon—Adjourn

Wednesday, June 24—Dawn Kincaid
9 am—Private Flood Insurance:  The In’s & Out’s

A quick review of the Private Flood Insurance Rule to ensure that your institution has properly implemented the requirements.  In addition, we will explain the differences between flood insurance policies.  Afterall, who will your customer ask for guidance?  You!  So, it is important that you understand the different flood policy options in order to accurately address your borrower’s questions.

10:15 am—Coffee Break

Working Together for Compliant Files – Dawn Kincaid

Use reviews of an actual commercial loan and mortgage loan file to demonstrate how lenders, loan operations and compliance should work together to ensure accurate completion of disclosures and other loan file documentation.

Compliance Hot Buttons

Discussion of current lending compliance issues, including methods to detect and prevent fraud.

12 noon—Adjourn


To register, click here to complete the form. 


Our Presenters:






Dawn began her banking career working for a community bank, while attending The Ohio State University. She has nearly 15 years of experience in client service, operations, information technology, administrative and board relations, marketing and compliance. Most recently Dawn served as the Senior Vice President of Bank Operations for a central-Ohio based community bank, where she created and refined the bank’s policies and procedures, conducted self-audits and risk assessments, and organized implementation of new products and services. She has served in the roles of Compliance, BSA/AML, CRA, Privacy and Security Officer and led training initiatives, prepared due diligence information for and completed a variety of regulatory applications and coordinated internal and external audits and exams.






Aaron is a consultant in the lending division of Young and Associates, Inc. As a consultant Aaron assists client banks by performing loan review. In addition to loan review, he has performed reviews in lending compliance and quality control. Aaron also presents seminars in the area of lending.  Prior to joining Young and Associates, Inc. he was employed by a community bank in southeast Michigan for eleven years. While at the bank, he worked his way through various facets of the operation from front-line customer service to branch management and finally as Vice President, Credit Administrator. He has secondary market, compliance, and asset quality experience.  Aaron holds a B.A. in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.




Who Should Attend? 

This advanced level program is designed for consumer and commercial loan officers; loan processors, compliance officers and individuals responsible for and involved in loan compliance.

This is a MBA Virtual Conference and will be delivered via Zoom Webinar.  You are not required to have a Zoom account to participate.  Registrants will receive an invitation to join the conference after a registration form has been processed by the MBA.  Each Registrant will receive an individual invite with a unique code so please do not share your invitation with anyone else. 

Want your branches to participate?  Facilities within your organization will be able to participate without the travel cost of coming to one location.   You may have as many listeners at one location as you would like.  If you have any questions, please do not hesitate to contact Lori Richardson at

Advanced Lending Conference


June 16 & 17;  June 23 & 24, 2020

$75—MBA Member fee (per session/per location)

    $250—MBA Member fee (all 4 sessions/per location)


$150—MBA Non-member fee (per session/per location)

   $500—MBA Non-member fee (all 4 sessions/per location)

To register, click here to complete the form.