Commercial Lending: Risks, Rewards, Controls and Common Mistakes June 29, 2023 1:30 pm - 3:30 pm Central Time
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The purpose of this webinar is to remind us of our role as arbiters of risk in supporting the economy while making safe and sound loans that are in line with regulatory requirements. Sometimes, these objectives conflict with each other. During this session, we will present the Risk, Rewards, Control Factors and Common Mistakes made during the Commercial Lending Underwriting Process. We only have one-time to make a good or bad loan decision or face the consequences of the wrong decision, which has proven to be time-consuming and costly for the Financial Institution. Credit Analysis and Lenders can benefit from this knowledge because this should be their primary responsibility within the institution. Interest and fee income from Commercial Loans represent the primary source of revenue for all financial institutions, therefore, thorough credit analysis in Commercial Lending is paramount before loan decisions are made. Commercial Lending is also one of the primary reasons Financial Institutions exist. The continued flow of capital from Financial Institutions into the economy in the form of loans are the drivers of the national and local economies surrounding our communities Financial Institution regulators understand the importance of Commercial Lending by encouraging these institutions to support individuals and small businesses through the extension of loans to creditworthy borrowers. This is proven by the guidance issued by the interagency during the height of the worldwide pandemic. What You'll Learn
FacultyJeffery W. JohnsonJeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta. |