Description

Commercial banking can be intimidating because of its complexity and the risk-oriented nature of the work. This course is a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. It is ideal for those in their first year in the industry. Learners will walk away with a clear understanding of their job and how their specific role fits into the bank’s overall profitability goals.

New credit analysts, lenders, and underwriters, as well as bankers who don’t do credit analysis but need a working knowledge of the process will all benefit from this full day training.  This may also include statement spreaders, loan processors and closers, treasury management associates, administrative support for credit or lending officers, branch managers, and interns.  This full day Fundamentals of Commercial Banking virtual Workshop will take place on Thursday, February 23rd beginning at 9:30a.m. and running until 5:00p.m.  

THE WORKSHOP WILL INCLUDE:

The Business of Banking

• Why customer relationships matter
• Identifying and managing risk
• Net interest income vs. fee income  

Why Businesses Borrow Money

• Working capital financing 
• Real estate and capital expenditures 
• Start-ups, buyouts

The Art of Underwriting - Part l

• Industry considerations
• Life cycle stage of your borrower 
• Analyzing quality of management

The Art of Underwriting - Part ll

• Four levels of quantitative analysis
• Balance sheet: liquidity and leverage
• Income statement: margins and coverage

Loan Structuring - Part l

• Types of loan facilities 
• How loan pricing really works 
• Tenor and amortization

Loan Structuring - Part ll

• Analyzing your collateral
• What loan covenants do for you
• The value of guarantees

The Credit Approval Process

• Courtship and the "life of a loan"
• Selling the deal twice - bank and customer
• Loan documentation

Loan and Portfolio Monitoring

• Understanding "Expected loss"
• Loan grading - regulatory definitions
• Asset performance and loan loss provisions

The Complex Lending Machine

• Internal relationships
• Introduction to twelve key banking groups
• Critical partnership: Credit and Lending

Test Drive your Job

• A day in the life of a credit analyst
• Prerequisite traits for success
• Career advice and how to love your job 

FACILITATOR
Andy Keusal, Founder and President, Keusal Learning - Andy Keusal is passionate about using his teaching gift to help others reach their full potential.  After earning his B.A. in Psychology from the University of Notre Dame, he spent eighteen years in commercial banking, during which he interviewed, hired, and trained hundreds of new bankers.  He also helped build and run one of the nation’s premier credit training programs at a large Midwest regional bank.  He left his corporate career in 2015 to found Keusal Learning, where he now helps people master the basics of banking.  Many of his trainees have moved on to prosperous careers in banking, private equity, and even business ownership.