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Effective loan documentation is a key building block in protecting the integrity of the bank's lending assets. This webinar will help you navigate the complexity of commercial loan documents and understand the key components of a credit agreement. As commercial loan documentation has become more complex and hundreds of pages long, many loan officers and counsel have found it difficult to adequately review the documentation. Receive a comprehensive understanding of drafting and reviewing the key provisions of a credit agreement.


Review basic business structure: C Corporations to LLC'sExplore the six elements of loan structure: loan purpose, sources of repayment, adequate amount, appropriate term, adequate support, framework for monitoringSummarize the four elements of loan support: collateral, guaranties, loan agreements, subordination agreementsHighlight commercial loan documentation issues including promissory notes, security agreements, and guaranties along with the use of the BSA loan rating, collateral rating, and C&I borrower rating matrixesDiscuss loan pricing and monitoring issuesReview current compliance issues: Equal Credit Opportunity Act (Reg B), Truth in Lending Act (Reg Z), Bank Secrecy Act (BSA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act, and UCC Article 9Analyze comprehensive loan structure/documentation/compliance case study


This proactive webinar provides a thorough overview of commercial lending requirements from a loan structure, documentation, and compliance perspective. Basic business structure will be presented along with loan structure and loan support. Additionally, commercial lending issues relative to loan documentation will be reviewed. Loan pricing and monitoring will also be covered along with a review of current compliance issues. The webinar will be summarized through a comprehensive case study.


This informative session is designed for:Commercial lendersCredit analystsLoan documentation specialistsBranch managersAssistant branch managersPrivate bankersBusiness development officers


David L. Osburn is the founder of Osburn & Associates, LLC, a business training and contract CFO firm that provides webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as banking/finance/credit, negotiation skills, marketing, and management issues. David's contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors. His extensive professional background of over 30 years includes 16 years as a business trainer/contract CFO and 16 years as a bank commercial lender including the position of vice president/senior banking officer. His banking credentials include loan underwriting, loan work-out, management, and business development.

He has been an adjunct college professor (MBA and undergraduate courses) for over 30 years, teaching at Regis University, and the College of Southern Nevada. He holds an MBA from Utah State University, a B.S. in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School at the University of Oklahoma. Additionally, he holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).

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