Consumer & Commercial Loan Documentation (Two-Day) - Lou

If you are not a KBA member, please contact Jamie Hampton at jhampton@kybanks.com or 502-736-1278 for the possibility of attending at a non-member rate.


Seminar 9 a.m. - 4 p.m. local time. Registration begins after 8:30 a.m. and breakfast will be available.

The purpose of this two-day program is to provide bankers with a thorough understanding of both consumer and commercial loans. The entire loan documentation process will be discussed from initial application and underwriting to loan closing and through repayment. The program will also identify regulatory compliance issues that impact both consumer and small business loans.

Consumer Loan Documentation

  • The Consumer Loan Application
  • The Consumer’s Credit Report
  • The Decision-Making Process
  • The Note, Truth-in-Lending Disclosure and Security Agreement
  • Collateral Valuation and Collateral Attachment.
  • Fair Lending Regulations will include: - Regulation P - Regulation B - Regulation Z (Right of Rescission and Home Owner’s Equity Protection Act) - Fair Credit Reporting Act - Flood Insurance Requirements


Commercial Loan Documentation

  • The Elements of a Commercial Loan Credit Memorandum
  • Specific Commercial Loan Documentation - The note, security agreement and mortgage/ deed of trust - Certificate of Good Standing - Borrowing Authority - Operating Agreement - Commercial Loan Agreements (Affirmati ve and Negative Covenants)
  • Collateral Attachment and Lien Perfection - Commercial Security Agreement - UCC1 Filings and Lien Searches
  • Collateral Valuation and Related Issues - Commercial Appraisals (Income Approach and Capitalization Rates) - Property Surveys - Title Insurance Commitments and Final Title Policies - Environmental Assessments - Rent Rolls
  • Personal Guarantees


Who Should Attend

Chief Credit Officers, Commercial Lenders, Consumer Lenders and members of the bank’s Credit Administration department, including Loan Assistants.

Cancellation Policy

Cancellations received more than 30 days prior to the event will receive a full refund. Cancellations received between 29 days and 10 days prior to the event will be charged a $50 processing fee. There will be no refund for cancellations received less than 10 days prior to the event. Substitutions are always welcome and encouraged. All cancellations and substitutions must be submitted in written format prior to the event.
When
3/30/2022 - 3/31/2022
Where
Indiana Wesleyan University
1500 Alliant Avenue
Louisville, KY

About the Speaker(s)

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

Sign In