ABA Commercial Lending Schools

how do you

rate?

ABA National and Graduate Commercial Lending Schools March 30 - April 4, 2014 Southern Methodist University Dallas, Texas

Register Now! aba.com/CLS | 1-800-BANKERS

cash flow measurement

Which is better: EBITDA, Traditional, UCA or Fixed Charge Coverage?

What kind of

lending

culture does my bank need to succeed?

balance your bank’s culture with its How do you

good loan structure?

What’s the trifecta of a

appetite for risk?

Are you fully up-to-speed on ROE, ROA, ALLL, CRE, ABL and LTV?

Study all of this and more at ABA’s Commercial Lending Schools.

What’s the secret to

calculating

global debt service accurately, quickly and consistently?

Is TDR a bad thing?

And do you have to report all TDRs until a loan is paid in full?

Is it acceptable for a loan officer to order an appraisal on real estate

that is going to secure a borrower’s loan?

appraisal requirements What

apply to new loans, loan renewals or lines of credit renewals?

how do you

rate?

ABA National and Graduate Commercial Lending Schools

March 30 - April 4, 2014 Southern Methodist University Dallas, Texas

Register Now! aba.com/CLS | 1-800-BANKERS

Learn in a week what could take years to learn on the job.

Regulatory changes, fluid market conditions and the need for new skill sets and competencies are the hallmarks of today’s commercial lending industry. Confront these challenges head on by enrolling in the ABA National or Graduate Commercial Lending School—two carefully crafted week-long programs that foster professional acumen and lending success. You will gain an invaluable understanding of commercial lending’s big picture, along with deep operational knowledge to apply on the job.

A smart investment. ABA’s Commercial Lending Schools optimize your investment with an intensive, 360 degree immersion into commercial lending best practices.

Blended, cutting edge learning environments. ABA’s Commercial Lending Schools feature a combination of lectures, group discussions, computer simulations, team activities and case studies to keep your high-paced educational environment dynamic, fun and challenging.

Unique curricula with a national scope. ABA’s Commercial Lending Schools are the only national programs of their kind, offering you access to nationally known instructors and a network of industry peers based in banking institutions all across the country.

• Learn how to get deals off the ground profitably and safely.

• Enhance your loan portfolio pricing and credit decision accuracy.

• Gain a competitive edge amidst new players, economic changes and an ever-changing regulatory landscape.

• Structure new pricing models, assess changes in credit quality and manage customer expectations.

• Understand new and changing regulations and what you must do to comply.

• Build a nation-wide network of peers who work in your industry.

Explore which school is right for you...

National - Fundamental

Two Career-Enhancing Curricula

NATIONAL COMMERCIAL LENDING SCHOOL—

Build a core foundation of commercial lending expertise March 30 – April 4, 2014 The ABA National Commercial Lending School teaches the fundamentals of credit, analysis, pricing and strategy during a week of intensive, interactive curriculum.

Students return to their banks with career enhancing, professional skills that deliver results.

Learning Objectives • • • • • •

Develop and refine your lending strategies.

Improve your return on investment.

Identify and minimize the cost of problem loans.

Increase the size of your bank’s loan portfolio.

Identify and maximize sales opportunities.

Build your leadership skills.

Who Should Attend • • • • • • •

Lending Officers Credit Analysts Loan Review Officers Branch Managers Bank Calling Officers Business Development Officers Examiners

National Commercial Lending School Courses • • • • • • • •

Banking, Credit and the Economy Evaluating the Borrower’s Loan Request Evaluating the Borrower’s Business Strategy Evaluating and Assessing Credit Quality Underwriting the Loan Request Developing the Credit Memo Loan Underwriting Case Studies Monitoring Your Loan Portfolio

Bank Loan Simulations—Practical Skill-Building Without the Risk Throughout the week, National Commercial Lending School students take part in computerized bank loan simulations that model real-life bid sessions. This unique learning tool is a signature highlight of the curriculum, enabling students to hone their credit decision accuracy, credit selection and relationship pricing as they set goals and develop a loan portfolio. As the simulations move you from credit analyst to senior commercial loan manager, you’ll gain vital skills in a fun, risk-free practice environment.

You’ll rake in deposits, generate new loans and enjoy the thrill of competing with your fellow students.

March 29-30, 2014 Need a refresher in commercial lending basics? Or have you missed out on formal credit training in the past? Attend this optional pre-program workshop on financial statement analysis— the perfect way for you to brush up on core fundamentals or fulfill the pre-session requirements of the National Commercial Lending School.

Course work covers contents of the balance sheet and the operating statement, auditor reports, ratio analysis, cash flow statements, working capital and commercial collateral. For details and to register, visit aba.com/CLS.

Tuition $795 ABA Members $895 Nonmembers

Requirements • 1-5 years experience in commercial lending • Understanding of balance sheets, operation and cash flow statements • Understanding of auditor reports and ratio analysis Note: Those who need more training in commercial lending basics can enroll in the optional pre-program workshop: ABA Financial Statement Analysis for Lenders, March 29-30, 2014.

Register at aba.com/CLS

Graduate - Advanced

Financial Statement Analysis for Lenders

GRADUATE COMMERCIAL LENDING SCHOOL—

Advanced curriculum to take you from lender to leader March 30 – April 4, 2014 Delivered through the lens of leadership, ABA’s Graduate Commercial Lending School features a deep dive into core competencies providing experienced commercial lenders with the skills they need to address complex professional challenges. Study high-level credit risk management, loan portfolio management, loan and transfer pricing, and more while connecting with industry leaders.

Learning Objectives • Explore how the changing economy is affecting your bank.

• Define your bank’s strategy for setting risk.

• Gain an understanding of the leadership motives that drive a bank’s lending strategy.

• Position yourself on a trajectory of professional success and personal growth.

Who Should Attend • • • •

Lending Officers Credit Managers Loan Review Officers Graduates of the ABA National Commercial Lending School

Graduate Commercial Lending School Courses • • • • • • • • • •

Credit Risk Management Global Debt and Contingent Liability Analysis Strategic Loan Pricing CRE Risk & Valuation Management Portfolio Stress Testing Exam Management: A Discussion with Regulators Loan Management: Proactive Risk Mitigation Workouts and Strategies Troubled Debt Restructures Funding Sources Banking, Credit and the Economy

New Course for 2014 Business Lending Leadership (Graduate Level) Designed to develop or enhance leadership skills of bankers who manage others in the delivery of business lending, this course will address the broad list of responsibilities necessary to effectively supervise this important business line. Specific training is provided on how to oversee all of the activities necessary to originate, analyze, underwrite, process, close, service and collect business loans. Topics to be covered include: Sales – meeting budget goals while maintaining quality standards Administration – exploration of the attention needed to perform critical tasks Performance Standards – effective delegation of tasks to achieve results Ethical Leadership – creating expectations, transparency, and trust Managing People – effective leadership in today’s environment, and more.

Requirements • 5 or more years experience in commercial lending • Current or aspiring management responsibility (people and/or portfolio) • Graduate of the ABA National Commercial Lending School (preferred) Note: The optional pre-program workshop, ABA Financial Statement Analysis for Lenders (March 29-30, 2014), is open to Graduate Commercial Lending School students who need a refresher on commercial lending basics.

Register at aba.com/CLS

How and Where

• • • • •

Register Today!

Enrollment is limited Don’t miss your chance to enroll in ABA’s Commercial Lending School programs.

Previous schools have reached capacity, so be sure to reserve your seat early.

Tuition ABA Members save $1,000! $2,395 ABA Members $3,395 Nonmembers Fees include tuition, lunch, instructional materials and a certificate of completion. Housing is available at a nearby hotel at a discounted rate.

Team Discount: Send a team of two or more employees and take advantage of team discounts.

Register at aba.com/CLS Southern Methodist University—A Vibrant Setting for Your Unforgettable Week of Learning ABA’s Commercial Lending School classes are held at the Cox School of Business at Southern Methodist University (SMU). You will enjoy the comforts of modern classrooms, social spaces and convenient facilities—all equipped with the latest business and teaching technologies.

Hotel Accommodations Discounted room rates are available close to campus at the Holiday Inn Dallas Central – Park Cities, by calling 214-750-6060. Shuttle service is provided between the hotel and the SMU campus. When making reservations, mention the ABA Commercial Lending School to receive the discounted room rate of $125 per night. This rate includes daily breakfast and shuttle service. Hotel reservations should be made at least one month in advance to ensure the discounted rate. Detailed accommodation and meal information will be included in your acceptance package.

What our attendees say...

“The ABA National Commercial Lending School is one of the most valuable learning sessions that I have attended. Having access to the instructors outside of the classroom was invaluable - as was the time spent with classmates. I was able to discuss issues and gain many perspectives. The loan simulation was a great experience and the ability to get feedback on your loan decisions in such a short time frame was very enlightening.”

— Doug Eakin, Commercial Credit Analyst, First Bank Richmond, NA, Richmond, IN

“The ABA Graduate Commercial Lending School boosted my confidence level as a commercial banking professional. Not only was I able to compare best practices with fellow bankers from across the nation, but I received top-notch instruction from leading professionals (both academic and practitioners) in the field.”

— Darren C. Patterson, Commercial Credit Analyst, Springs Valley Bank and Trust

“The ABA Graduate Commercial Lending School made for a fast paced and challenging week. The instructors were thought provoking and class participation insightful. The courses were structured to meet the current economic conditions.”

— John D. Wellington, Senior Vice President, Bank 10

1120 Connecticut Avenue, NW Washington, DC 20036

ABA National Commercial Lending School ABA Graduate Commercial Lending School March 30 - April 4, 2014 Southern Methodist University Dallas, Texas

REGISTER NOW!

These schools are only offered once a year.

Take advantage by enrolling today. aba.com/CLS | 1-800-BANKERS

how do you

rate?

ABA NATIONAL AND GRADUATE COMMERCIAL LENDING SCHOOLS March 30 – April 4, 2014 | Southern Methodist University | Dallas, Texas

THE ABA GUARANTEE ABA guarantees that the ABA Commercial Lending School will meet or exceed your expectations. If it does not, simply let us know in writing and we’ll refund your full tuition fee—no questions asked.

ABA provides professional development opportunities for employees of membership-eligible institutions. These include community, regional and money center banks and holding companies, as well as savings associations, trust companies, savings banks and service members. Government agency employees also qualify.