Commercial Banking Essentials, Managing the Credit Process

Date

Wednesday, May 11, 2022

Time

8:30 am - 4:30 pm

Fee After

  • Non-Affiliate: $393.75 (Includes a 5% processing fee)
  • Affiliate: $315.00 (Includes a 5% processing fee)

Cancelation Policy

Register

Location

Sunrise Banks Headquarters


2525 Wabash Avenue
St. Paul MN 55114

 

Event Details

Commercial Banking Essentials, Managing the Credit Process 

RECOMMENDED PARTICIPANTS: Credit Analysts, Underwriters and Commercial Bankers of all levels and is a foundation course being offered by RMA-MN that sets the stage for further learning.

This course provides an informal process to move through the credit process and managing each step from prospecting to post close monitoring. The emphasis is on effectively understanding and communicating the credit risk associated with the client within the credit presentation. The goal of the analysis is to boil down the presentation without losing effectiveness, recognizing if you cannot say it succinctly and get to the point you do not understand it or do not believe in it.

The course provides points on prospecting, building the request, analysis, structure and monitoring of the closed financing while making your process as efficient as it can be. Expectations are set on various industries and loan types to assure that the qualitative analysis is complete.

A full analysis of source of the cash shortfall, the cash to cash cycle, the cash cycle, using the right cash flow method, structuring debt, as well as management assessment is included. The key take away is the understanding that an Underwriter and Banker job is not making a loan but managing credit risk.

THIS COURSE WILL COVER:

  • Presentation of an informal model to advance the client from prospect to client organizing the lender and their team through the process.
  • Financial statement analysis of key information, setting expectations for the core cash drivers, cash to cash cycle, cash cycle, UCA Cash Flow and the impact each will have on the credit risk of the borrower.
  • Writing concise credit presentations that focus on the core credit risk associated with the specific borrower, industry, type of loan structure, management and marketplace impact.
  • Monitoring existing borrowers for early warning signs of trouble or areas of opportunities to expand the relationship.

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.

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

 

Contact For More Information

Brenda Ryan
RMA Minnesota Chapter Administrator
info@rma-mn.org / 763-486-7219

Contact info@rma-mn.org if you would like to sponsor

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).

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