Regional Education

CU Business Group’s Nuts 'n Bolts of Advanced Loan Officer Development is designed to help your staff take the next step in building your business loan program. Join us as we teach credit union business lending professionals how to sharpen and enhance their negotiation skills and be proactive and effective lenders in your market. In this one-day course you will:

• Gain the knowledge and confidence you need to compete for business loans
• Find out how you can best prepare for taking business loan applications
• Uncover the tricks your competitor's loan officers user
• Learn how to negotiate rates, covenants, terms and fees
• Discover the negotiating tactics that applicants have been using on you
• See what part personality styles play in the application process
• Learn the different tools you have available to close a deal
• And more!

September 23 - Plano, TX - Course Outline and Registration Form

October 28 - Tampa, FL - Course Outline and Registration Form

Many businesses need financing for equipment, inventory, or working capital. Find out how you can help your business members with their long term loan and line of credit needs . Join CU Business Group for an in-depth training focused on commercial and industrial lending. In this one-day seminar, you will learn to:

• Safely and profitably lend on different types of non-real estate assets
• Properly structure equipment, inventory and receivable loans
• Determine when lines of credit are more appropriate than term financing
• Calculate and interpret ratios, and see how they play into a loan decision
• Monitor and perfect different types of collateral
• And more!
  
  

Small businesses are the focus of credit union lending all over the country. Join CU Business Group for an in-depth training on what you need to know when reviewing loan applications from self-employed borrowers. A great class for consumer loan officers and business lenders. In this one-day seminar, you will learn to:

• Interpret all of the different tax returns and schedules used by small businesses
• Understand and discover the difference between Sole Proprietors, S-Corps and LLCs
• Calculate cash flow and pertinent financial ratios
• Learn the effects of different depreciation methods
• Apply what you have learned to real life examples and case studies
• And more!
  
  

CU Business Group’s complete Nuts 'n Bolts of Business Deposits training program is a five-hour course full of information on everything from business deposits and target marketing to procedures and package products. We’ll address the critical knowledge needed to set up and open new accounts for all kinds of businesses, the starting point for controlling depository risk and ensuring compliance, plus the following topics and more:

• Identifying your target market and niches.
• The basic business products and pricing considerations.
• Deposit administration and systems functionality.
• Business legal entities.
• New accounts desk-procedures and interviewing.
• Teller row operations and procedures.
• Package products to round out the business deposit program.
• And more!

October 26 - Tampa, FL - Course Outline and Registration Form

CU Business Group's five-hour Nuts 'n Bolts of Business Lending course is designed specifically for credit union professionals who want to learn more about the basics of running a business lending program. The general course curriculum includes:

• Cash Flow Analysis - Explore the basics of converting tax returns and financials into cash flow statements.
• The "Macro" Environment - Understand federal and state regulations around business loans. Discuss economic and industry issues and learn how they affect pricing and other ALCO considerations.
• Loan Types, Structures and Pricing - Study the matching principal and the types of loans available to your members.
• Collateral - Learn the loan to value regulations and know what is prudent for your credit union.
• Basic Financial Ratios - Discuss liquidity, leverage and other ratios that are pertinent.
• Declines - Learn to handle loan denials and know your responsibilities in compliance.
• And more!
  

CU Business Group's five-hour Nuts 'n Bolts of Cash Flow Analysis course is designed specifically for credit union professionals who want to learn more about analyzing tax returns and assessing cash flow. The general curriculum includes:

• Balance Sheet and Income Statement Analysis - Learn how to uncover creative accounting and the effects of misclassification.
• The Business Operating Cycle - Learn to effectively assess a business's need for financing through asset conversion and capital asset cycles.
• Cash Flow Analysis - Explore the basics of converting tax returns and financial statements into cash flow statements.
• Basic Financial Ratios - Some of the simplest ratios can be tell-tale signs of a business' success or demise. We'll discuss liquidity, leverage, and other ratios that are pertinent to all business loan requests.
• Estimating Financial Need - Don't over-lend...or under-lend! Learn the formulas, tools, and knowledge you need to estimate your applicant's financial need.
• Group Exercises - Plenty of case studies and hands-on calculating from actual tax returns.

October 27 - Tampa, FL - Course Outline and Registration Form

CU Business Group is now offering an in-depth business lending education course presented in an efficient three day format. The curriculum of Analyzing Business Loans is designed specifically for credit union professionals involved in business lending. The course will offer in-depth training to help credit union business services staff and management to:

• Have a better understanding of all the details behind business loan analysis and credit memorandums
• Feel more confident when talking to business owners
• Be more effective in screening business loan opportunities
• Understand how to read and interpret business tax returns and financial statements
• Calculate debt service coverage and other key ratios
• Learn about commercial appraisals, and how environmental issues can affect your lien position
• Be able to defend your loan decisions with confidence to examiners

Course Outline and Registration Form

CU Business Group is now offering an in-depth business lending education course presented in an efficient two day format. Cash Flow Analysis is designed as a more advanced course specifically for credit union professionals involved in business lending.

This two day curriculum will delve further into the analytical techniques required to determine the most fundamental skill of all in business lending – whether sufficient cash flow exists to repay the proposed debt. While this sounds simple on the surface, it is a skill that often takes years to perfect, and Cash Flow Analysis lays the foundation for credit union staff and management. After this session you will:

• Have a better understanding of all the details behind the debt service coverage ratio
• Be able to calculate cash flow ratios from business tax returns and financial statements
• Understand book-tax differences and cash flow timing issues
• Learn various types of unusual tax items and how to treat them in your analysis
• Save the credit union money through better screening of business lending opportunities
• Be able to defend your loan analysis and decisions with confidence to examiners

Outline and Registration Form