Duration: 80 minutes Multi-tenant retail and shopping centers are one of the most common types of commercial real estate loans made by credit unions. In this webinar, CUBG discusses how to properly underwrite these loans, and the unique challenges they present. We cover the following key concepts: – Analyzing cash flow and NOI using…
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Duration: 63 minutes Making commercial loans to properties with a single tenant presents unique risks and rewards and requires a different approach than traditional multi-tenant CRE loans. Join CUBG’s Mike Smith and learn how to effectively underwrite and manage these high reward (and sometimes high risk) loans. This webinar discusses: – Examining single tenant…
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Duration: 59 minutes Church lending has long been a mainstay of business lending at credit unions. However, making loans to churches and other religious organizations often requires a unique approach. In this webinar from June 4, 2024, CUBG’s Mike Smith discusses how to properly evaluate and understand the financial and non-financial risks associated with…
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Duration: 63 minutes As non-profits themselves, credit unions understand how important these entities are to our communities. However, lending to non-profits and charities is different than traditional business and commercial lending. In this webinar from May 9, 2024, CUBG shows you how to approach non-profit loans. We’ll discuss how to analyze cash flow for…
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Duration: 58 minutes The cornerstone of portfolio risk management is a sound credit risk rating system. In this recording of the live session on March 10, 2021 – we show you why a strong risk rating system is important, how to assess your current system, and how to use risk ratings to determine the…
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Duration: 95 minutes As new originations slow and existing loans face uncertainty, it may be time to reassess how your credit union makes and manages loans. Join the experts at CUBG in this session from August 2,2023 for the best methods to manage your commercial lending program in today’s economy. Topics include: – Current…
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Duration: 55 minutes One of the keys to being a successful commercial lender is conducting effective and efficient visits with existing and proposed business members. Your ability to establish rapport with the business owner and managers, along with the information you obtain at these visits, will likely turn your prospects into members or produce…
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Duration: 66 minutes Many credit unions have large portfolios of CRE that will be maturing in 2024. Some of these loans may already be struggling due to economic conditions, and the rapid increase in interest rates over the past year may further impact cash flow. Properly managing these loan maturities will be key to…
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Duration: 60 minutes The examination process can be stressful and challenging. With years of experience in helping credit unions manage this process, CUBG has the expertise to help you successfully navigate your next exam. This webinar from July 15, 2021 provides successful strategies to help you prepare for and manage the business lending examination process….
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Duration: 60 minutes Collateral is often the secondary source of repayment on a commercial loan and knowing the current value of that collateral is a key part of assessing risk in your portfolio. Performing collateral re-valuation as part of annual or periodic reviews is also a regulatory requirement, a hot button with examiners, and…
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Duration: 83 minutes It’s a common misconception that business and commercial loans are exempt from most lending compliance regulations, but that is actually NOT the case. In fact, many consumer-oriented lending regulations actually apply to business loans, but often in a more nuanced manner. Ensuring your staff have the knowledge they need to comply…
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Duration: 64 minutes When analyzing a loan on commercial real estate collateral, lenders typically focus on loan to value, management, and cash flow. However, analyzing the tenants that pay rent to generate that cash flow is also essential. Join CUBG in this recording from April 6, 2023 and learn how to assess these tenants…
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Duration: 55 minutes As lenders, the pandemic has taught us that anything can happen, and we need to be ready. It is more important now than ever to know how your loans will perform when economic factors change. Knowing how to properly stress test your loans will help you prepare. In this webinar, we…
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Duration: 58 minutes Small and micro business loans represent a huge opportunity for credit unions to serve their communities and expand relationships with existing borrowers and business members. Join CUBG and learn how to make small dollar business loans in an efficient, profitable, and safe manner. This webinar discusses: − Loan types and collateral…
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Duration: 31 minutes This basic webinar is designed to familiarize loan officers with the terms and purpose of various forms of short-term lending with a focus on revolving lines of credit. This session provides a high level overview on how to determine whether a revolving line of credit is the appropriate product to meet a members…
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This webinar focuses on the information needed to pull together a complete loan package. Participants will learn how to take a loan application, gather appropriate documents from the borrower, and review key financial data to better understand the borrower’s financial situation. Specific areas covered include: The application checklist The loan application Personal financial statements Tax returns and business…
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Duration: 95 minutes Understanding a borrower’s ability to repay the loan is the cornerstone of commercial loan underwriting. As the primary source of repayment, cash flow is the most important factor in making a loan decision. Join CUBG in this session on January 19, 2022 as we discuss the basics of business cash flow…
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Duration: 54 minutes The effective use of loan covenants can help mitigate risk and give your loan committee peace of mind. Both regulatory and industry standards call for the use of loan covenants on commercial loans. In this webinar recording from a live session on December 15, 2021 – learn about this prudent risk…
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Duration: 75 minutes As a commercial real estate lender, understanding CRE leases is critical to understanding how you will be repaid. In this session CUBG will take you through the ins and outs of commercial real estate leases. We’ll discuss the various lease types, define key terms used in leases, and show you how…
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Duration: 60 minutes Recorded from the live presentation on May 27, 2021, this exclusive webinar focuses on UCA cash flow analysis. As a powerful tool for lenders, UCA cash flow is effective in painting a financial picture and evaluating a company’s ability to repay a loan. Join CUBG’s Mike Smith for this special webinar…
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