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Loan Documentation for “Secured” Commercial Lending Transactions
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When: 12:30 PM
Where: United States

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Program Content:

Attend this proactive seminar and receive a thorough overview of commercial lending “loan documentation” with an emphasis on “secured” transactions.

Basic “business” structure, loan “structure,” and loan “support” will be highlighted along with a review of “secured” loan documentation including promissory notes (signature requirements, authority & capacity, confession of judgment clause, jury waiver, and arbitration agreement).

This portion of the seminar will also cover business loan agreements, security agreements, UCC financing statements (Article 9), Small Business Jobs Act certificates, and other supporting documents including corporate resolutions, guarantees, and Reg B notices.

Additionally, the related concept of Commercial & Industrial (C&I) lending will be covered including documenting secured working capital lines, ABL facilities, and equipment financing (loans/leases). This section will further review the Borrowing Base Certificate (BBC) and the valuation and quality of accounts receivable, inventory and equipment.

The seminar will also analyze the use of the BSA Loan Rating Matrix, Collateral Rating Matrix, and C&I Borrower Rating Matrix.

The session will be summarized through a “hands-on” comprehensive “loan documentation” case study.

Covered Topics:
•     Be introduced to secured commercial loan documentation
•     Review basic “business” structure, loan structure, and loan support
     Highlight “secured” loan documentation including promissory notes, security agreements, and guarantees
•     Discuss related concept of C&I lending including “secured” working capital lines, ABL facilities, and equipment financing and also cover the BBC and inventory and equipment issues
    Analyze the Loan, Collateral, and Borrower Matrixes
    Explore a comprehensive “loan documentation” case study

Who Should Attend:
Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers

David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors.
His extensive professional background of over 30 years includes 17 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development.
Mr. Osburn has been an adjunct college professor (MBA and undergraduate courses) for over 30 years including Regis University and the College of Southern Nevada. He holds an MBA from Utah State University, a BS in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).


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