2020 CBAO Commercial Lending and Underwriting Academy - Part 2
PERSONAL FINANCIAL STATEMENT & TAX RETURN ANALYSIS, PLUS COMMERCIAL REAL ESTATE CASH FLOW ANALYSIS AND CAP RATES
October 5 & 6, 2020
Registration is $595 for CBAO members, $895 for non-members
Single day registration is available for $295 for CBAO members, $449 for non-member
Program Description: Want to strengthen your ability to analyze personal financial statements and tax returns within a simple, logical and consistent framework? Need to reduce voluminous amounts of personal financial information into a concise, relevant picture of cash flow or an assessment of an individual’s financial strength as guarantor of a business loan?
Is commercial real estate (CRE) a big portion of your bank’s portfolio? Or, do many of your customers own income-producing properties – even if your bank did not make the loan(s)? You still need to be able to properly develop a CRE cash flow and make reasonable estimates of value by understanding the role of capitalization (“cap”) rates.
Day 1 – Personal Financial Statements and Tax Returns
- Introduction to Personal Financial Statements
- PFS Ratios and Calculations
- Introduction to Personal Tax Returns
- Tax Return Calculations
Day 2 – CRE Cash Flow and Cap Rates
Who Should Attend:
- Introduction to CRE Cash Flow
- CRE Cash Flow Calculations and Ratios
- Other CRE Lending and Monitoring Issues
Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, branch managers (that lend to business owners), private bankers, special assets officers, loan review specialists and others involved in business and commercial lending
Meet the Facilitator: Richard Hamm
Richard has been training bankers for 27 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. During his banking career, he was active within RMA’s chapter structure and served on several committees at the national level. Richard is a facilitator at Barret School of Banking and the Graduate School of Banking at Wisconsin. He has published 20 articles in The RMA Journal.