Advanced C&I Underwriting: A/R & Inventory Financing

Advanced C&I Underwriting: A/R & Inventory Financing 

Wednesday, April 14, 2021
3:00 pm – 4:30 pm Eastern

Small business lending can benefit community banks and lead to better knowledge about each borrower.  However, a one-size-fits-all approach to C&I lending can be disastrous.  This webinar will broaden your understanding of A/R and inventory financing.


  • Understand general credit and transactional risks associated with credits largely secured by accounts receivable and/or inventory
  • Develop advance rates in consideration of various factors which could contribute to challenges in collecting trade account assets securing the loan
  • Describe and thoroughly explain the operating cycle, including an understanding of potential cash needs by the borrowing entity to support revenue generation, differentiating between a working capital need to support the operating cycle, and permanent working capital needs by the borrowing entity to support growth in sales
  • Discuss the borrowing base certificate, with considerations for those factors which should be understood and acted upon in creating the borrowing base formula
  • Define and understand the objective of field audits, including alternative measures for smaller, less complicated borrowers with credits secured by accounts receivable and inventory


Commercial and industrial (C&I) lending in support of small business needs outside of commercial real estate provides significant opportunity for community banks. A one-size-fits-all approach to C&I loans secured by trade accounts could lead to significant losses if credit administration is not aware of the associated risks and controls which should be put in place to mitigate those risks in commercial loans secured by trade account assets. 

Small business lending can be a worthwhile loan product, because it can be profitable, support local business needs, and provide for portfolio diversification as an alternative to commercial real estate.  However, it comes with a need for genuine understanding of your borrower, the borrower’s clients and industry, the borrower’s operating cycle, the potential need to fill gaps in borrower’s cash flow, and ultimately the risks within each borrower transaction.  Attend this webinar to learn how to identify and mitigate these risks.


This presentation will benefit loan officers, credit analysts, credit administrators, chief credit officers, and other lending personnel. While the presentation will provide for more advanced topics in commercial lending, beginning to intermediate loan personnel will also benefit from this presentation.


  • Employee training log
  • Interactive quiz


Aaron Lewis, Young & Associates, Inc.

Aaron Lewis is a senior consultant at Young & Associates, Inc. With over 15 years in the banking industry, his expertise is now dedicated to the lending division of Young & Associates where he assists financial institutions with loan, ALLL, policy, and credit-process and compliance reviews.  He also conducts seminars on credit risk and compliance.

Prior to joining Young & Associates, Aaron was the Vice President Credit Administrator of a community financial institution in southeast Michigan and managed all facets of the lending function, including originations, underwriting, ALLL analysis, servicing, and secondary market compliance.  He holds a Bachelor’s in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.

Attendance verification for CE credits provided upon request.

Webinar Sponsored by Financial Education & Development

If you are having issues with registering online, please contact CBAO's Education,Training & Special Events Coordinator, Patti Webb, (614) 610-1877.

Registration Options (Member/Non-Member Pricing)
Live Webinar ($345/$490) – The live webinar option allows you to have one internet connection from a single computer terminal. You may have as many people as you like listen and watch from your office computer. Registrants receive a website address and passcode that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, passcode, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at

Recorded Webinar + Free Digital Download ($265/$400)– Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 6 business days after the webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

Additional Live Webinar Connections ($175/$260)  – Registering another banker from a different location

Both Live Webinar & Recorded webinar + Free Digital Download ($395/$600)– Includes Live Webinar and Recorded Webinar options above.


Sign In