Commercial Real Estate Financing

Past Event

Commercial Real Estate Financing

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

For most banks, commercial real estate is one of the largest portions of the credit portfolio. It is also one of the most intricate and difficult types of financing to get right. This course details the commercial real estate financing process including assessing the ownership structure, what to look for, where the pitfalls might be as well as its impact on the type of financing offered. But that is just the start. The type of real estate is critical to the assessment. There will be eight types of real estate that will reviewed, pointing out the key factors in what to look for, credit policy direction, cash flow analysis and structure considerations.

We will also be walking through the construction draw process to cover all the bases, what forms are required, what they look like and what they tell you. We will look at the appraisal and title process as well as set up an informal schedule for ordering the key information so that the process goes smoothly. This is a must attend course for any lender or analyst that works with real estate financing.

THIS COURSE WILL COVER:

• Review of issues to be aware of, cash flow analysis and financing structure considerations on Owner Occupied, Medical Use, Office, Retail, C&I, Multifamily, Specialty and Subdivision/Condo financing.
• Understanding the Appraisal and Title Work
• Exposure to financing new construction projects with an eye on the key documents you need, working with the advance structure, work order changes, lien waivers, inspections and draw requests.
• Recognizing issues related to ownership structure and its impact on cash flow
• Analyzing the rent roll and tenant make up for potential risk issues.
• Identifying early warning signs of problem properties

LOCATION: Sunrise Banks Headquarters - 2525 Wabash Avenue / St. Paul, MN 55114

ITEMS TO BRING: Pencils and Calculator. Fully charged laptop.

IMPORTANT NOTE ABOUT COVID-19: Please be assured that seating will be placed at the recommended distance in the meeting room. Masks are strongly encouraged for all attendees.

PRESENTER: Brad Stevens is the founder of Stevens Risk Management, LLC which specializes in credit training and consulting for both the finance and manufacturing industry. He has over 30 years of experience in banking that included leading two banks out of troubled credit positions, identifying the deteriorating credits, working directly or with lenders in rehab and exit strategies as well as rebuilding the credit cultures to avoid future credit problems.

As a banker, Brad built strong credit portfolios based on the core approaches that he now shares in his training programs. He brings a unique hands on experience to his training sharing real world examples that resonate with those in attendance at presentations. Brad believes strongly in the philosophy of Making Banking Better through Bankers Training Bankers.

REGISTRATION FEE (Includes Jimmy John's boxed lunch and bottled water):

An Affiliate of the Minnesota Chapter is an individual who has paid the 2021/2022 local chapter fee for the Risk Management Association. National Membership does not qualify for affiliate benefits at MN Chapter events.

A minimum of 6 participants is required in order hold this course.

QUESTIONS? Contact Brenda Ryan, Chapter Administrator at info@rma-mn.org.

CERTIFICATE OF ACHIEVEMENT: Survey participation is required to receive a certificate of completion for this course. Please take the time to complete two short surveys; one will be sent immediately after and a 2nd survey will be sent 30 days post-event.

NOT AN AFFILIATE? Sign up HERE today, or contact the Chapter Administrator

 

Cancelation Policy

Cancellations (and no-shows) will be not be refunded unless the instructor cancels the course.  If participant is unable to attend, the registration fee can be applied to a future RMA-Minnesota/Local course (prior to 8/31/22).