October 16-17, 2024 · Virtual · Seminars

CRE Lending Bootcamp

Using case studies, this two-day virtual seminar (12 hours training total) demonstrates the key variables and concepts for determining CRE cash flow, using the cash flow to determine debt service coverage and estimate the property’s value. Attendees will gain an understanding of the key components of CRE appraisals and the review process involved. A brief overview of key issues involved in commercial construction situations is also provided.

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When

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Where

Virtual

Highlights

Day 1

  • Compare and contrast non-owner occupied (NOO) CRE with owner occupied (OO) CRE
  • Net operating income (NOI) concepts and key variables: vacancy, management fees and replacement reserves
  • The “new” ratio called debt yield or lender’s yield
  • Case study and case study review
  • Transaction-level stress-testing of debt service coverage (DSC) and loan-to-value (LTV)
  • Capitalizing NOI to estimate and update property value, plus how cap rates work
  • Non-financial risks in CRE lending
  • Time permitting: Unique characteristics of the major CRE property
    types

Day 2

  • Brief overview of current regulatory requirements for CRE Appraisals
  • Types of reviews: administrative/compliance, technical/
    internal, or third party, with sample review checklists
  • Key appraisal components, including ownership interest, assumptions
    and limiting conditions and highest and best use
  • Appraisal review outcomes: When to request revisions
  • Getting another appraiser to do the review under USPAP 3 guidelines
    and things bankers can learn from outside/third party review sample
    comments
  • Using your analysis to validate existing or older appraisals, with a
    suggested format for documenting conclusions
  • Overview of guidelines for evaluations when an appraisal is not
    required
  • How appraisers self-regulate via the Uniform Standards of
    Professional Appraisal Practice (USPAP), state licensing and
    continuing education requirements
Registration Fees

First Registrant: $850

Additional Registrant: $750

All Non-Members: $1,700

Registration & Cancellation Policy

The fee includes access to the virtual seminar, program materials and session recordings.

Registrants will receive instructions in advance to access the online class and download the materials. Registrants will have access to a recorded copy of both sessions and materials for 90 days.

IMPORTANT: Registration is per person. All attendees must be registered to ensure access to the program, materials, recorded content and to be eligible to receive CE credit.

Cancellation/substitution requests must be made in writing. Email requests to education@texasbankers.com. Full registration fees will be refunded if written notice is received no later than September 25, 2024. Substitutions are permitted without penalty.

Who Should Attend?

CRE lenders, commercial lenders, portfolio managers, credit analysts, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers involved in the CRE lending process. Support personnel involved in the ordering and reviewing of commercial appraisals will also benefit.

Continuing Education

Texas State Board of Public Accountancy: 14 CPE credit hours. There are no educational prerequisites.

Presenter

Headshot of Richard Hamm.

Richard Hamm

Advantage Consulting & Training

Richard Hamm has been training bankers for more than 30 years, including both creating and teaching courses for the American Bankers Association (ABA) and the Risk Management Association (RMA), plus regional banking schools (Graduate School of Banking – Wisconsin, Graduate School of Banking at Colorado, Southwestern Graduate School of Banking and Barret School of Banking – Memphis), numerous state banking and community banking associations and individual banks

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