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Advanced Lending Conference
A VIRTUAL CONFERENCE
June 16 & 17; June 23 & 24, 2020
Week One Presenting Sponsor
Schedule:
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
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