Credit & Lending

Learning Sessions by Track

Western U.S. Commercial Real Estate Review

Listen to an overview of the state of the commercial real estate market in the western United States. Consider current economic and demographic conditions and how the West compares to the broader national economy. Examine current trends in commercial real estate and where the market may be headed in the new few years.

SPEAKERS:

Stephen Basham
Senior Market Analyst
CoStar

Dr. Christine Cooper
Regional Economist
CoStar

EBITDA Doesn’t Spell Cash Flow, but What Does?

EBITDA is Wall Street’s shorthand method of estimating a company’s cash flow, but does it really work on Main Street or even on Wall Street?  Discover why EBITDA does not spell cash flow for either stock analysts or credit analysts, but with some adjustments, EBITDA can be transformed into a much more accurate measure of cash flow for loan repayment.  Don’t bet a bank’s credit quality on EBITDA alone, learn how to convert it into a real cash flow measure.

SPEAKER

Dev Strischek
Principal
Devon Risk Advisory Group

Between a Rock and a Hard Place: Is Your Credit Policy Taken for Granite?

As the expansion approaches its zenith, bank policies and their related underwriting guidelines are under more regulatory scrutiny. Learn why regulatory agencies expect a bank’s risk appetite strategy to cascade down from the board of directors through credit policy, and improve policy compliance by implementing a simple policy exception, enforcement, and approval process.

SPEAKER

Dev Strischek
Principal
Devon Risk Advisory Group

Flood Insurance: How to Keep Your Head Above Water

Since January 1, 2016, flood insurance regulations have remained the same; however, examiners’ emphasis and interpretations have changed. Review the basic mandatory purchase requirements, the requirement to escrow flood insurance premiums, and the requirement to force place insurance and the so-called “requirement” to accept private flood insurance policies. 

SPEAKER

Stephanie Shea
Principal
Aldrich & Bonnefin, PLC

No More Theory: Let’s Talk About Estimating & Calculating CECL at a Community Bank

With the implementation of CECL nearing, attendees will review practical examples of how community banks can address this complex standard. Learn the tools to simplify the CECL process and how, for non-complex banks, the standard can be relatively straightforward and doesn’t have to cost a significant amount of money.

SPEAKERS

David Heneke
Principal
CliftonLarsonAllen, LLP

Neil Falken
Prinicpal
CliftonLarsonAllen, LLP

Todd Sprang
Managing Principal
CliftonLarsonAllen, LLP

Josh Juergensen
CPA
CliftonLarsonAllen, LLP

Don’t Let a Disconnected Workflow Jeopardize Your Commercial Lending Business

Making informed commercial lending decisions requires a consistent and compliant risk management process, from application to close. Variability in the lending workflow opens the door for incomplete analysis and data quality issues that can lead to significant risk. In this session, learn how to improve workflow and gain efficiencies, gain better visibility into loan origination, examine how to reduce risks through standardization, and identify metrics to better evaluate team performance.

SPEAKER

Michael Fuchs
Director of Commercial Lending
Wolters Kluwers Financial Services