Curriculum | Commercial Lending School - Advanced

12:00 PM – 2:30 PM

School Registration

2:30 PM – 3:00 PM

Orientation

3:00 PM – 5:00 PM

Banking, the Economy & Credit Outlook
Is this economy going to ever fully recover from the great recession? When does the government exit from its monetary stimulus strategy? What extraordinary reshaping of the financial services industry is still to come? Get answers to questions like these, and predictions of what’s ahead from a noted economist.

5:30 PM – 6:30 PM

Reception at Beeman Hotel

8:00 AM – 10:00 AM

Credit Risk Management Tools and Techniques
Credit risk management is key to making profitable and prudent loans, which in turn, is driven by a bank’s credit culture. Banks with value-driven credit cultures enjoy good asset quality and higher than average shareholder value. This session explains how to implement and maintain a values-driven credit culture in practical, logical steps.

10:00 AM – 10:15 AM

Break

10:15 PM – 12:00 PM

Credit Risk Management Tools and Technique (Cont'd)
Credit risk management is key to making profitable and prudent loans, which in turn, is driven by a bank’s credit culture. Banks with value-driven credit cultures enjoy good asset quality and higher than average shareholder value. This session explains how to implement and maintain a values-driven credit culture in practical, logical steps.

12:00 PM – 1:00 PM

Lunch

1:00 PM – 1:50 PM

CRE Risk Management
This session examines the components of an effective risk management system for CRE loans. Learn how to better identify and deal with CRE concentrations, strategies for developing industry data and references, and following the various regulations for appraisals and environmental due diligence. Prior to this session, participants are encouraged to download and review the August 2013 Office of the Comptroller of the Currency (OCC) Commercial Real Estate Lending Handbook.

1:50 PM – 2:00 PM

Break

2:00 PM – 3:00 PM

CRE Risk Management (Cont’d)
This session examines the components of an effective risk management system for CRE loans. Learn how to better identify and deal with CRE concentrations, strategies for developing industry data and references, and following the various regulations for appraisals and environmental due diligence. Prior to this session, participants are encouraged to download and review the August 2013 Office of the Comptroller of the Currency (OCC) Commercial Real Estate Lending Handbook.

3:15 PM – 5:00 PM

Avoiding Lender Liability Issues
Consumer-based lender liability claims against banks are becoming more common. In this session, learn to think like a lawyer to spot potential red flags, which could lead to a lender liability lawsuit. Learn the best defenses to defeat and avoid legal pitfalls via current case law and legislation.

8:00 AM – 10:00 AM

Credit Risk Management: Case Studies and Report Out/Review
In this session, participate in a case study that teaches you to apply the techniques and tools learned in the Credit Risk Management course to solve credit risk problems.

10:00 AM – 10:10 AM

Break

10:10 AM – 12:10 PM

Credit Risk Management: Case Studies and Report Out/Review (Cont’d)
In this session, participate in a case study that teaches you to apply the techniques and tools learned in the Credit Risk Management course to solve credit risk problems.

12:10 PM – 1:15 PM

Women in Lending Luncheon

12:10 PM – 1:15 PM

Lunch

1:15 PM – 2:45 PM

Communication and Presentations
Dive into executive communications skills to use with a loan committee or with employees.

2:45 PM – 3:00 PM

Break

3:00 PM – 4:30 PM

Problem Loan Management
This session focuses on how to avoid problem loans, recognize early warning signals and their causes, and the major factors to consider in managing problem loans. Engage in case studies that will assist you in identifying these issues, and managing troubled assets.

8:00 AM – 9:15 AM

CRE Construction Lending
Unlike other commercial and consumer loan types, construction loans and their value are created by the disbursement of loan proceeds over time—and when the project is complete. This session navigates the entire process from front-end due diligence and loan documentation, to best practices for the administration of the disbursement of loan proceeds.

9:30 AM – 10:30 AM

A Conversation with Federal Regulators: Emerging Issues for Lending Portfolios

10:30 AM – 10:45 AM

Break

10:45 AM – 12:00 PM

Portfolio Stress Testing
Strongly encouraged by bank regulators, stress testing is a forward-looking quantitative assessment of potential economic events that could adversely affect the quality of a loan portfolio, earnings performance and capital adequacy. In this session, learn more about stress testing, and how it has evolved into an integral part of a bank’s credit risk management framework.

12:00 PM – 1:00 PM

Lunch

1:00 PM – 1:50 PM

Strategic Loan Pricing
It is more important than ever to take a strategic approach to loan pricing. This session will cover two big issues that influence pricing, and more. See a demonstration of how to measure loan profitability and calculate the required rate on a loan, and have time to discuss various models used in your bank.   

1:50 PM – 2:00 PM

Break

2:00 PM – 3:00 PM

Strategic Loan Pricing (Cont’d)
It is more important than ever to take a strategic approach to loan pricing. This session will cover two big issues that influence pricing, and more. See a demonstration of how to measure loan profitability and calculate the required rate on a loan, and have time to discuss various models used in your bank.

3:15 PM – 4:45 PM

Problem Loans

8:00 AM – 9:30 AM

Appraisals and Evaluations
In this session, delve into regulatory requirements and expectations for real estate loan policies, appraiser independence, appraisals and evaluations, reviews and more. Learn through facilitated discussion and reviewing pertinent case studies.

9:30 AM – 9:45 AM

Break

9:45 AM – 11:45 AM

CRE Valuation Management
This session focuses on a common sense approach when considering whether an appraisal provides a credible value conclusion. Learn through facilitated discussion and reviewing pertinent case studies.

11:45 AM – 12:45 PM

Lunch

12:45 PM – 2:15 PM

Introduction to Bankruptcy
Bankruptcy law is a complex and ever-changing subject. Lenders and credit analysts need to be aware of how the Bankruptcy Code works and how to protect and preserve their rights under the law. This content will be an overview that will help lenders manage bankruptcy procedures and improve lending. Discussions will include Chapter 7s, Chapter 13s, Chapter 11s and Chapter 12s.

2:15 PM – 2:30 PM

Break

2:30 PM – 4:30 PM

Fraud: Methods, Detection and Prevention
The session covers the different types of financial crime and fraud schemes typically encountered by financial institutions, particularly those methodologies that utilize lending products. Learn to spot red flags, and report them. Discuss schemes involving bank insiders, with a focus on potential signs of collusion between bank clients and lenders.

4:35 PM

Class Photo Shoot Blanton Bldg Steps

6:30 PM – 8:30 PM

Tacos and Karaoke at the Beeman Hotel

8:00 AM – 10:00 AM

Lending Leadership: A Question of Balance
The final session is fast-paced and interactive, addressing one of the most misunderstood labels in the business world: leadership. Examine a case study commercial lending team, identify its successes and challenges, and then provide advice to the supervisor on how to improve performance. Each team will be graded by their peers on the soundness and practicality of their advice.

10:00 AM – 10:15 AM

Break

10:15 AM – 11:30 AM

Lending Leadership: A Question of Balance (Cont’d)
The final session is fast-paced and interactive, addressing one of the most misunderstood labels in the business world: leadership. Examine a case study commercial lending team, identify its successes and challenges, and then provide advice to the supervisor on how to improve performance. Each team will be graded by their peers on the soundness and practicality of their advice.

11:30 AM

School Concludes
Please do not make travel plans to depart before the session ends at 11:30 AM. If you elect to depart early, we cannot grant a program certificate.