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 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 9, 2019. Classes will begin immediately following check-in. All classes will be held at the KBA office.

Tuition includes instruction, curriculum materials, continental breakfast, lunch and lodging (if applicable). 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
A small continental breakfast and lunch will be served at the KBA office. Participants will be on their own for dinner each evening. If you are driving each day, you will be directed to parking garages just one block away.

Lodging will be provided at the Holiday Inn Express & Suites Louisville Downtown, 800 West Market Street, Louisville, Kentucky. The tuition includes lodging Monday through Thursday nights. Roommates will not be assigned. If a registrant prefers to share a room please contact Paula Cross with the information.

The hotel will provide KBA attendees breakfast and a special self-parking rate of $14.95 per day for overnight guests. The KBA office is within walking distance from the Holiday Inn Express & Suites. Bankers will be responsible for their parking.

Applicants withdrawing before August 30, 2019 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
9/9/2019 - 9/13/2019
KBA Boardroom
600 West Main Street Ste 400
Louisville, KY 40202 United States

About the Speaker(s)

 List View Contact
Mr. John H. Cochran, III
John Cochran
Cochran Associates LLC

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