This Course will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure.

The training will also cover underwriting C&I loans including accounts receivable assessment and the use of a “Borrowing Base Certificate” (basic and advanced models), the valuation and quality of inventory, and the analysis of various equipment-related issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.

Additionally, we will cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The Course will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.

Objectives:

• Review C&I lending
• Discuss C&I loan products and their typical structure
• Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing
• Analyze the Borrowing Base Certificate (BBC)
• Evaluate the borrower’s financial statements
• Review the documentation, collateral, pricing, and managing of C&I loans
• Develop the marketing of C&I loans in today’s economy

Who should attend?

Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers