Consumer & Commercial Loan Doc - Virtual Series

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

Virtual program 9 a.m. - 12 p.m. ET each day.

The delivery platform will be Zoom. We recommend that you do not use your cell phone for this series due to the importance of viewing the presentation.

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 (Affirmative 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.
7/20/2020 - 7/21/2020
Virtual Event
You Will Receive A Link To Join the Events
The Afternoon Prior To Each Scheduled Session

About the Speaker(s)

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

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