2023 Credit Analysis Series
C&I Lending for CRE Lenders
Tuesday, March 28, 2023
11:00 am – 12:30 pm Eastern
C&I lending is a horse of a different color. Many lenders errantly try to analyze these loans like commercial real estate, despite C&I’s unique characteristics. Join us to learn more about C&I lending requirements, specifics, and best practices.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- 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.
WHO SHOULD ATTEND?
This informative session is designed for newer C&I lenders, experienced CRE lenders, credit analysts, and loan committee members looking to take some of the mystery out of C&I lending or increase their knowledge and skills in assessing this critical segment.
- Analysis checklist
- Sample monitoring plan
- Industry analysis considerations
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
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.
Attendance verification for CE credits provided upon request.
Webinar Sponsored by Financial Education & Development
If you are having issues with registering online, please contact CBAO's Education, Training & Special Events Coordinator, Malia Widder, (614) 610-1877.
|Registration Options (Member/Non-Member Pricing)
|Live Webinar ($265/$400) – The live webinar option allows you to have unlimited connections within your institution to virtually attend the Live Webinar. The session includes question and answer sessions, handout and take-away toolkit, and the presenters contact information for follow-up, will all be emailed to you the morning of the live webinar.
On-Demand Webinar + Free Digital Download ($295/$450) – Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 2 business days after the live webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.
Both Live Webinar & On-Demand Webinar + Free Digital Download ($395/$600) – Includes Live Webinar and Recorded Webinar options above.