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Commercial Loan Training

Commercial Loan Training

Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios.

Whether directly financing these assets or including the income streams in your overall credit analysis, it is important to understand both the basics of commercial loana, as well as the key analytical concepts utilized in evaluating CRE cash flow.

What You Will Learn From Our Commercial Loan Training Courses

Commercial and industrial lenders both know that non-financial factors such as the borrower's industry, its competitive market, and its management team play a key role in the ongoing success of the business, as well as timely loan repayment.

Specifically, by taking one of our commercial loan training courses, you will learn about the entire loan process by which a commercial real estate loan is marketed, underwritten, approved, documented, closed, and monitored.

You also will learn about the various documents typically found in a commercial loan transaction - and their legal impact on the relationship between the bank and its borrowers and guarantors.

Learning Objectives: Commercial Loan Training Courses

  • What areas of the law impact commercial lending?
  • What are the fundamental documents in a commercial loan transaction?
  • What is the difference between term sheets and commitment letters?
  • What documents are unique to real estate lending?
  • Learn what specific information will help you to handle business applications correctly
  • What factors determine if the application is for business purpose or consumer purpose?
  • Which documents are used in asset based financing?
  • How are letters of credit documented?
  • What are loan participation agreements?
  • What are mortgage spreaders? Mortgage assumptions? Future advances?
  • What is construction risk and how is it mitigated?
  • Differences between residential and commercial construction loans
  • Title insurance
  • Survey
  • Bonding
  • Funding and draw controls
  • Cash flow or net operating income (NOI) concepts
  • Understanding key variables: vacancy, management fees and replacement reserves
  • The missing link: Using NOI along with a cap rate to estimate current property value
  • Moving from NOI to cash flow available for debt service (CFADS) and DSC
  • Stress-testing of debt service coverage (DSC) and loan-to-value (LTV) at transaction level
  • How to use a sample worksheet to explore the major issues, including stress-testing, demonstrated with a case example
  • How can we minimize mistakes in loan documentation?
  • Common compliance violations in the commercial loan area

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