2
Why Businesses Borrow Money
• Working capital financing
• Real Estate and capital expenditures
• Start-ups, buyouts, and bridge loans
• Funding losses
Live Virtual Workshop
Breaking into Banking 101:
Fundamentals of Commercial Banking
This 1 day live workshop is broken up into ten topics covering everything you need to know to start quickly and advance in your new career. Andy gives you the inside scoop on what banks really want from you and how you can be successful in commercial banking.
Focusing on the reality of the banking world over textbook portrayals of the business, this course will equip you with key concepts and banking terminology and will show you how it all fits together.
This 1 day workshop will be provided over a Zoom video conference, and will include 6 hours of facilitation in addition to breaks. Learners will have access to the recording replay for 30 days following the call.
The 101 workshop is appropriate for newer credit analysts, lenders, portfolio managers, statement spreaders, loan operations associates, interns, and anyone whose job relates to commercial credit and lending.
Workshop Topics
1
The Business of Banking
• Why customer relationships matter
• Identifying and managing risk
• Net interest income versus fee income
3
The Art of Underwriting – Part I
• Commercial risks vs. consumer risks
• Accepting and managing risk
• Qualitative Analysis
4
The Art of Underwriting – Part II
• Crunching the right numbers
• Balance Sheet: liquidity and leverage
• Income Statement: margins and coverage
5
Loan Structuring – Part I
• Types of loan facilities
• How pricing really works
• Tenor and amortization
6
Loan Structuring – Part II
• Mitigating risk: collateral, covenants, and guarantees
• Negotiating the deal
• The sixth “C” of Credit: competition
7
The Credit Approval Process
• Courting your customers
• Selling the deal twice
• Paperwork, paperwork: loan documentation
8
Loan and Portfolio Monitoring
• Regular check-ups with existing customers
• Portfolio metrics and expected loss
• Report cards: asset performance
9
The Complex Lending Machine
• Meeting the neighbors
• Specialty banking
• Government regulators
10
Test Drive Your Job
• A day in the life
• Career paths
• How to love your job
Breaking into Banking 101 - Live Workshop
6 Hours of Facilitation - 30 Day Replay Access
- Wednesday, May 3rd -
9:30am - 5:00pm EDT / 8:30am - 4:00pm CDT / 7:30am - 3:00pm MDT
$275
one-time payment
If your bank has six or more bankers to enroll, please contact Andy Keusal at andy@keusallearning.com or (614) 634-1474 to discuss a group discount.