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

NEW HYBRID CLASS STRUCTURE!

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 

• Introduction to CRE Cash Flow
• CRE Cash Flow Calculations and Ratios
• Other CRE Lending and Monitoring Issues

Who Should Attend:

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

Personal Safety and the Hybrid Class Structure

If you are joining in person, CBAO has implemented the following for your safety:

• Transition to a larger classroom space that allows 6ft. social distancing
• Provision of face masks, hand sanitizer, & individually-boxed breakfast/lunch
• Full sanitization of the environment prior to class

If you are joining us online, you can expect the same interaction and engagement with the facilitators and fellow participants through:

• Live video and audio interaction with camera, microphone, and speaker placement throughout the classroom
• Full materials provided prior to class as well as live screensharing with the facilitators

Meet the Facilitator

Richard Hamm

Richard has been training bankers for 28 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 for the Barret School of Banking and the Graduate School of Banking at Wisconsin. He has published 20 articles in the RMA Journal.