Co-sponsored with other State Banking Associations
presents
Breaking into Banking 101: Fundamentals of Commercial Lending
February 23, 2023
8:30 am – 4 pm
Online Course
|
Course Description:
|
Commercial banking can be intimidating because of its complexity and the risk-oriented nature of the work. This course is a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. It doesn’t assume much prior knowledge of the topic, so it’s ideal for those in their first year in the industry. Learners will walk away with a clear understanding of their job and how their specific role fits into the bank’s overall profitability goals.
|
|
Target audience:
|
New credit analysts, lenders, and underwriters, as well as bankers who don’t do credit analysis but need a working knowledge of the process. This may include statement spreaders, loan processors and closers, treasury management associates, administrative support for credit or lending officers, branch managers, and interns.
|
|
Duration:
|
In-person workshop: Typically 1 day; includes 6 hours of facilitation plus breaks
Online videos: Ten 30-minute modules, total of five hours of instruction plus self-checks
|
|
1. The Business of Banking
|
Why customer relationships matter
Identifying and managing risk
Net interest income vs. fee income
|
|
2. Why Businesses Borrow Money
|
Working capital financing
Real estate and capital expenditures
Start-ups, buyouts, bridge loans, and losses
|
|
3. The Art of Underwriting – Part I
|
Industry considerations
Life cycle stage of your borrower
Analyzing quality of management
|
|
4. The Art of Underwriting – Part II
|
Four levels of quantitative analysis
Balance sheet: liquidity and leverage
Income statement: margins and coverage
|
|
5. Loan Structuring – Part I
|
Types of loan facilities
How loan pricing really works
Tenor and amortization
|
|
6. Loan Structuring – Part II
|
Analyzing your collateral
What loan covenants do for you
The value of guarantees
|
|
7. The Credit Approval Process
|
Courtship and the “life of a loan”
Selling the deal twice – bank and customer
Loan documentation
|
|
8. Loan and Portfolio Monitoring
|
Understanding “Expected loss”
Loan grading – regulatory definitions
Asset performance and loan loss provisions
|
|
9. The Complex Lending Machine
|
Internal relationships
Introduction to twelve key banking groups
Critical partnership: Credit and Lending
|
|
10. Test Drive Your Job
|
A day in the life of a credit analyst
Prerequisite traits for success
Career advice and how to love your job
|
About the speaker:
Andy Keusal is passionate about using his teaching gift to help others reach their God-given potential. After earning his B.A. in Psychology from the University of Notre Dame, he spent eighteen years in commercial banking, during which he interviewed, hired, and trained hundreds of new bankers. He also helped build and run one of the nation’s premier credit training programs at a large Midwest regional bank. He left his corporate career in 2015 to found Keusal Learning, where he now helps people master the basics of banking. Many of his trainees have moved on to prosperous careers in banking, private equity, and even business ownership.
As a husband and father of ten children, Andy devotes much of his time and energy to helping his wife Andrea educate their nine children still living at home. Whether at home or in the workplace, Andy has a knack for making complex things simple, using humor and a comfortable presentation style to communicate with his audience. He is the author of the popular book, “Breaking into Banking: Cracking the Code on Launching a Successful Career in Commercial Banking,” and the creator and facilitator of the video course by the same name.
REGISTRATION FORM
BANK/COMPANY NAME:______________________________________________
REGISTRANT NAME:_________________________________________________
PHONE NUMBER:___________________________________________________
CELL NUMBER:_____________________________________________________
EMAIL ADDRESS:____________________________________________________
____ MBA Members $295 ____ Non-MBA Members $590
PAYMENT:
_____ Please invoice (please pay by February 16)
_____ Please charge my credit card below
(*please know a 4% convenience fee will be added)
____Please send an ACH form
TO REGISTER: Complete & Email to lrichardson@msbankers.com
QUESTIONS: Contact Lori Richardson by calling (601) 709-3736 or emailing at the address above.
Credit Card Information
Name on Bank Card__________________________________________________________
Credit Card Number__________________________________________________________
Expiration Date___________________________CVV________________________________
Billing Zip Code_____________________________________