Commercial Real Estate Lending

Past Event

Commercial Real Estate Lending

This is the foundational class that requires experience in understanding financial statements, basic loan structuring and credit analysis skills.

Recommended for Credit Analysts, Underwriters and Commercial Bankers of all levels.

Real estate lending is often the most difficult type of lending to do right. There are numerous challenges in financing real estate, not the least of which is understanding the various types of real estate. This course walks through underwriting and structure of construction financing, investment real estate, investment real estate, multifamily, residential development as well as specialty use. We will walk through the cash flows, structure and appraisal considerations. The course also delves into various ownership structures of the real estate which are crucial in managing the credit risk by the lender.

THIS COURSE WILL COVER:

• Introduction to various real estate types and the risk they carry.
• Understanding the financial information that the borrowers will provide as well as the various documents that you will be required to have to completely review the project.
• Developing an organized process to correctly stage the underwriting, analysis as well as receipt of title work, appraisal and other documents to successfully complete the financing.
• Building the right financing structure to mitigate and balance the risk between the borrower and the bank.
• Discusses the various ownership structures that you will see in real estate ventures.
• Exposure to early warning signs that the cash generating real estate may be in trouble.

PRESENTER: Brad Stevens is the principal at Stevens Risk Management, LLC. He is a recognized premier credit trainer nationwide serving the banking industry in all fifty states. Brad has been leading the credit industry as an analyst, commercial banker, Senior Credit Officer, nationwide trainer and consultant for over 35 years. During his banking career he worked with community banks, regional banks and a large national bank building strong credit portfolios at each stop he made. As a Senior Credit Officer his expertise was in turning around banks that had fallen into significant credit distress. He worked to turn around the banks by instilling a clear credit culture, strong credit policies, training programs as well as setting up a workout staff to manage the worst of the credits. He is a firm believer in making banking better and the training philosophy of Bankers Training Bankers.

Brad has an MBA in Finance from the University of St. Thomas and is a graduate of the Graduate School of Banking at the University of Wisconsin, Madison and a graduate of the Oklahoma Commercial Banking School. For more information visit Stevens Risk Management LLC and contact Brad at Brad.Stevens@SRMALLC.net.

OLD NATIONAL BANK: 1601 Utica Ave So, St Louis Park, MN 55416 (Ste #1150 Towers at West End)

ITEMS TO BRING: Pen/Pencil, calculator and a fully charged laptop (outlet may not be available)

CERTIFICATE OF ACHIEVEMENT: Completion of two surveys is required to receive a certificate of completion for this course.  One will be handed out in person on the day of course, and the second one will be sent via Survey Monkey, approximately 30 days post-event.

 

Cancelation Policy

Cancellations (and no-shows) will not be refunded unless the instructor cancels the course.

If you are unable to attend, your registration fee will be applied to a future RMA-Minnesota/Local course (prior to 8/31/25), however you must notify the chapter administrator 4 business days prior to date of course. Substitution is allowed, however any difference in the applicable registration fee will be requested based on replacement’s current affiliation status.