Join David Osburn for a proactive training session and learn how banks make lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character! The session will cover the basics of the three main areas of lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life case studies.
The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.
Publication Date: August 2020
Designed For
CPAs, CFO/controllers, financial managers, auditors, financial analysts and practitioners who provide accounting, tax or consulting services to businesses.
Topics Covered
- Basics of the five C's of credit
- The Credit Department, Legal Environment, Credit Policy, Credit Investigations, and Credit Fraud
- Credit Decisions, Customer Visits, and the Sales Department
- Bankruptcy Proceedings
Learning Objectives
- Recognize the five "Cs" of credit (capacity, capital, collateral, conditions, and character)
- Identify the three main areas of lending
- Recognize and apply the three areas of lending
- Recognize and apply the three areas to individual case studies
- Recognize and review the basics of loan structure, loan support, documentation, and loan compliance
- Describe DCR
Level
Basic
Instructional Method
Self-Study
NASBA Field of Study
Accounting (2 hours)
Program Prerequisites
None
Advance Preparation
None
Instructor
David Osburn
David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues.
Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors.
His extensive professional background of over 30 years encompasses 21 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development.
Mr. Osburn has been an adjunct college professor for over 30 years including the College of Southern Nevada.
He holds an MBA from Utah State University, a BS in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma.
Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).