COMMERCIAL LENDING SCHOOL
May 1-2, 2024
The purpose of the CBAO Commercial Lending School is to prepare mid-level bankers and commercial loan officers to serve effectively and profitably by developing an understanding of your bank’s risk appetite, risk tolerance, risk culture and the risks assumed in the loan portfolio.
Richard Hamm top-notch banking veterans who will give you plenty of opportunity to ask questions, share concerns and learn from the best. You will receive an information-packed manual. Each module contains learning concepts and resource materials. You will share ideas, concerns and solutions with other participants from similar institutions. You will return to your bank as a valuable asset with a comprehensive and practical overview of banking. The school prepares you to tackle complex commercial lending situations and helps you boost your banking career.
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DEPOSIT/LENDING COMPLIANCE SCHOOL
May 21, 2024
Refine your policies and risk assessments to help build a more robust compliance framework around your deposit and lending activities. We will cover the latest regulatory updates and detailed best practices during this all-day event.
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AG CASH FLOW / CREDIT ANALYSIS
August 22, 2024
How can I evaluate agricultural loan repayment alternatives in a timely and cost-effective manner? The agricultural lending environment has changed dramatically from the generally profitable 2006-2013 period. During the period that followed, principal payments on term debt from capital purchases made during more profitable times remained. The result was varying degrees of financial stress among agricultural borrowers. Now, prices have improved, but for how long? A review of the financial information needed to make informed decisions and a spreadsheet that can be used to evaluate repayment alternatives will be covered during this workshop. The effectiveness of changes in operating strategies and loan terms on repayment capacity and breakeven are evaluated for different levels of financial leverage. Join us for a day focused on which changes are effective and which ones are not during this challenging lending environment.
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FINANCIAL STATEMENT & CASH FLOW ANALYSIS BOOTCAMP
September 17-19, 2024
Want to learn how to analyze personal and business financial statements and tax returns in a compact, intense, case-based three-day session? Want to move beyond ratio analysis and into the operating, investing and financing cash flows of a business and how they affect loan repayment? Want to learn the basics of CRE cash flow and how it is different? This workshop is your answer, whether you are new to lending and financial analysis, or even if you have been away from financial analysis for a while and need a refresher. (Bring your calculator and pencil!)
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BSA SCHOOL
October 30, 2024
BSA personnel have endless tasks to address to keep up with the regulatory expectations. This session will give you insight into the hot topics regulators are focusing on and some tools to help you manage them.
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