Agenda

Friday, September 21, 2026
11:00 am - 1:00 pm EST

Lending is all about risk management. Support personnel have a key role in the commercial and business lending process, and they can help to create a safe and sound loan portfolio.

Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender and provides an overview of what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.

Topics

What You'll Learn

• Overview of the key steps in the commercial and business lending process
• Role of loan policy and typical content areas
• Types of financial analyses conducted
• Four keys to loan structuring, plus related terminology
• Loans as defined by financing length or term (loans, lines of credit, etc.)
• Loans as defined by collateral (secured or unsecured)
• Loans as defined by third-party support (guaranteed or non-recourse)
• Overview of how financial institutions establish a risk rating for commercial and business loans
• Importance of ongoing loan monitoring after the loan is closed
• Five Cs of Credit

Speaker(s)

Richard Hamm
Trainer

Richard Hamm has been training bankers for 28 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. He also conducts eight senior lender forums on a periodic basis in multiple states and one series at the national level.

He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 14 years, after a 22-year banking career including senior positions in lending and credit, plus president of a community bank through formation and acquisition of an existing bank. He has BS and MBA degrees from the University of Alabama.

Fees

Live Webinar - $299.00

• Live Access
• 30 Days OnDemand Playback
• Presenter Materials and Handouts
• Includes 12 months of OnDemand playback access

Available Upgrades

• 12 Months OnDemand Playback - $120.00 Per Person
• 12 Months OnDemand Playback + Digital Download - $150.00 Per Person
• Additional Live Access - $95.00 Per Person

**100% surcharge applied to non-members.

Association Contact