Regional Education

CU Business Group is now offering a power-packed business lending course presented in an efficient one day format. The curriculum of Analyzing Business Loans I is designed specifically for credit union professionals involved in the business lending program.

This curriculum will touch on all the major aspects of business lending in just enough detail and is designed specifically to help credit union professionals understand the critical elements of business lending and the credit decision. After this session you will:

• Have a better understanding of all the details behind business loan analysis and credit memorandums
• Feel more confident in reviewing credit requests
• Learn proper loan structures and covenant options
• Understand the basics of business tax returns and financials as they relate to business loans
• Calculate debt service coverage and other key ratios
• Gain an awareness of the key issues with commercial appraisals and environmental reports
• Be able to defend your loan decisions with confidence to examiners
• Be a more effective member of the business loan committee

Agenda 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 II 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

Agenda 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

Agenda and Registration Form