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: 64 minutes With economic uncertainty and fluctuating interest rates, it’s more important than ever to know how your portfolio will perform in a fast moving and ever-changing marketplace. Loan stress testing is a vital risk management technique that can help your credit union identify weaknesses in a loan and see how a borrower would…
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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: 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: 60 minutes Loan documents are a binding contract between your credit union and a borrower. As one of the final processes in loan closing, understanding loan documentation is essential. Expand your understanding of commercial loans and familiarize yourself with the documents needed to close a commercial loan with this webinar. Learn the specific…
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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 Confirming that your collateral is properly insured is a vital part of managing risk in commercial lending. With rising premiums and increased scrutiny of coverages, understanding commercial property insurance is imperative for protecting your credit union. In this on-demand recording from February 20, 2024 – you’ll learn about: – Fitting the…
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Duration: 60 minutes IRS Schedule F can provide critical insights into the financial performance, cash flow, and repayment capacity of agricultural borrowers. In this one-hour webinar from September 29, 2026, learn how to interpret Schedule F tax returns, evaluate farm income and expenses, identify trends in profitability, assess repayment sources, and recognize potential underwriting…
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Duration: 57 minutes Each year, more and more credit unions are asked to finance commercial real estate loans that include ground leases. CRE loans where the borrower doesn’t own the land present opportunities and unique risks for credit unions. In this webinar from April 22, 2025 – learn how to underwrite these loans to…
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Duration: 58 minutes UCC loans are secured by business assets, providing lenders with a means of protection. These types of loans have benefits, but also their own unique challenges. Join CUBG in this webinar from January 20, 2026 to gain an understanding of UCC-secured lending transactions and how they work, including perfecting security interests,…
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Duration: 59 minutes Managing the credit risks of offering Automated Clearing House (ACH) origination to your business members requires a different approach than traditional business lending. Credit unions face unique exposures when allowing business members to originate ACH transactions. Join CUBG in this webinar from June 25, 2026 for an overview of the key components…
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Duration: 66 minutes Business credit reports are a valuable tool for assessing borrower risk, validating business performance, and identifying potential credit concerns early in the underwriting process. In this one-hour webinar from August 27, 2026, learn how to interpret commercial credit reports, understand key scores and ratings, evaluate payment history and trade references, identify…
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Duration: 58 minutes In many instances cash flow methods like EBITDA and NOI aren’t enough to properly understand repayment ability, especially for businesses with significant balance sheet items. Uniform Cash Flow Analysis (UCA) is a type of analysis designed by bankers to properly account for how the balance sheet affects business cash flow, and…
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