Commercial Lending School

After successfully completing the Commercial Lending School, lenders will have the knowledge needed to evaluate, structure and negotiate a commercial loan.


Purpose of Attending
The purpose of the Kentucky Bankers Association’s (KBA) Commercial Lending School is to prepare mid-level bankers to serve effectively and profitably as commercial loan officers by developing:
  • A better understanding of the economy and how it affects the lending decision;
  • An understanding of how a business is structured and how it competes;
  • An understanding of the role of a company’s management and how to analyze and evaluate that management;
  • A thorough understanding of basic and advanced analytical techniques;
  • An opportunity to apply these analytical techniques in a series of lending situations and to carry them forward in a structuring of loans;
  • An understanding of relationship banking - how to meet multiple customer financial needs profitably;
  • A thorough understanding of how problem loans develop and the appropriate techniques to use in managing a problem loan; and
  • An understanding of their bank’s tolerance for risk, the risks assumed in the loan portfolio and their bank’s credit process to manage the risks.
Prerequisites
Prerequisites for admission to KBA’s Commercial Lending School are as follows:
·A minimum of one year experience in commercial lending, or a minimum of one year in credit administration in a bank, or five years of banking experience.
·Successful completion of AIB courses in Commercial Lending, Analyzing Financial Statements, and Economics, or demonstrated knowledge.

Check In & Materials
Registrants will check-in the first day of the program, Monday, September 13, 2021. Classes will begin immediately following check-in. All classes will be held at Indiana Wesleyan University, 1500 Alliant Avenue, Louisville.

Tuition includes instruction, curriculum materials, and lunch. Curriculum materials will be distributed the first day of class. Participants should bring their own calculator and supplies for taking notes during class.

Housing & Meals
Lunch will be served at Indiana Wesleyan University. Participants will be on their own for dinner each evening.

Should you need overnight accommodations we suggest: Holiday Inn Express, 1520 Alliant Avenue, Louisville (502) 240-0035; be sure to mention you are attending a KBA program to receive our rate. The special rate for KBA will expire 9/6/21.

Applicants withdrawing before September 3, 2021 will be refunded all fees except a $150 cancellation fee. There is no refund if an applicant withdraws after the deadline or fails to attend the school, with the exception of extenuating circumstances. Due to commitments and expenses we cannot reverse, such as: handouts, food, beverages, room rentals, speaker fees, etc.; even extenuating circumstances will require partial refunds because of these expenses. Substitutions are welcome. Refund requests must be submitted in writing/email to the KBA.


The Curriculum
The External Environment

Understanding the Borrower’s Business

Assessing the Borrower’s Competitive Position

Evaluating Management

Assessing Borrower Financial Performance

Projecting Future Performance

Loan Structure and Support

Effective Relationship Management

Identifying and Managing Problem Loans

Establishing Credit Discipline

When
9/13/2021 - 9/17/2021
Where
Indiana Wesleyan University
1500 Alliant Avenue
Louisville, KY

About the Speaker(s)

SpeakerBlock
Mr. John H. Cochran, III
John Cochran
Cochran Associates LLC

The principal consultant and trainer is John Cochran. In a banking career spanning forty years, John Cochran has served in various management and lending positions that have included Compliance and Loan Review Officer, Consumer and Commercial Lender, Chief Lending Officer, and President and CEO of a community bank. Prior to starting his own company in 2000, John, in his last bank assignment, held senior management positions in commercial lending as well as directing consumer banking and sales activities in a large branch network. Through Cochran Associates LLC, John now devotes full time attention to developing and leading lending seminars, conducting in-bank training and providing consulting and loan review services for community bankers.
Mr. John H. Cochran, III
John Cochran
Cochran Associates LLC
The principal consultant and trainer is John Cochran. In a banking career spanning forty years, John Cochran has served in various management and lending positions that have included Compliance and Loan Review Officer, Consumer and Commercial Lender, Chief Lending Officer, and President and CEO of a community bank. Prior to starting his own company in 2000, John, in his last bank assignment, held senior management positions in commercial lending as well as directing consumer banking and sales activities in a large branch network. Through Cochran Associates LLC, John now devotes full time attention to developing and leading lending seminars, conducting in-bank training and providing consulting and loan review services for community bankers. COCHRAN, JOHN

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