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C&I Lending for CRE Lenders

Mar 28 2:00 PM - Mar 28, 2023 3:30 PM
Mar 28, 2023 2:00 PM - 3:30 PM
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C&I lending is a horse of a different color. Many lenders errantly try to analyze these loanslike commercial real estate, despite C&I’s unique characteristics. Join us to learn moreabout C&I lending requirements, specifics, and best practices.

Learning Objectives

  • Confidently analyze, underwrite, and monitor C&I loans
  • Understand how C&I analysis differs from CRE analysis
  • Comprehend UCA analysis and traditional EBITDA analysis, plus each method’s uses and limitations
  • Appreciate how accounting knowledge is critical for C&I analysis and why the balance sheet is needed to fully analyze a borrower’s strengths and weaknesses
  • Know why collateral analysis and monitoring are very different from CRE lending
  • Realize why some level of industry knowledge is key to understanding long-term risks

C&I lending is often a smaller part of a financial institution’s commercial loan portfolio, but it is also a segment that offers additional lending opportunities. However, far too often these loans are analyzed similarly to commercial real estate loans, even though C&I have unique characteristics, differing in purpose, collateral, and repayment source(s). It is important to understand the borrower’s industry, their cash-flow cycle, how accounting decisions can impact your analysis, and the type of information needed for proper assessment.

Because C&I businesses can change quickly, the way C&I loans are monitored must also be different from monitoring a CRE loan. Join us to learn the appropriate monitoring, including how the borrower’s degree of risk should be considered in designing an appropriate plan.

Agenda

Speakers

Robert L. Viering, RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Location

Fees

$259.00 

Live and recorded webinar, handouts, quiz with answer key and training log are included.

Your registration includes unlimited locations, making it easier to share and learn with remote staff.

Please note: You may share the link with others at your credit union, however the confirmation will be sent to one primary contact at your credit union. It will be up to the primary contact to share the material with others.

Additional Info

Event Type

Webinar

Topics Covered

  • Lending & Collections
  • Live Webinars
  • Compliance