ABA National Commercial Lending School. ABA Graduate. May 3 8, 2015 Southern Methodist University Dallas, Texas. Register Now!

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1 ABA National Commercial Lending School ABA Graduate Commercial Lending School May 3 8, 2015 Southern Methodist University Dallas, Texas Register Now! Visit aba.com/cls or call BANKERS

2 FIND YOUR COMPETITVE EDGE What our attendees say... The ABA National Commercial Lending School is one of the most valuable learning sessions that I have attended. Having access to the instructors outside of the classroom was invaluable, as was the time spent with classmates The loan simulation was a great experience and the ability to get feedback on your loan decisions in such a short time frame was very enlightening. Doug Eakin, Commercial Credit Analyst First Bank Richmond, NA The ABA Graduate Commercial Lending School boosted my confidence level as a commercial banking professional. Not only was I able to compare best practices with fellow bankers from across the nation, but I received top-notch instruction from leading professionals (both academic and practitioners) in the field. Having the opportunity to sit for the Certified Lender Business Banker designation was a real plus! Darren C. Patterson, Commercial Credit Analyst Springs Valley Bank and Trust

3 Strengthen Your Skills. Power Up Your Portfolio. Today s commercial lenders face a unique set of challenges. Lending success means building and maintaining a strong portfolio while navigating fluid market conditions and a dynamic regulatory landscape. It requires a constantly evolving skill set that spans the operational, the strategic and the interpersonal. Perhaps most importantly, it means demonstrating your value, standing out from the competition and distinguishing yourself as a leader in your field. Build your professional skills and drive results by enrolling in the ABA National or Graduate Commercial Lending School carefully crafted programs that offer an intensive, 360 degree immersion into commercial lending best practices. You ll enjoy access to nationally known instructors and in just one week, you ll learn what could take many years to learn on the job. Gain an invaluable understanding of commercial lending s big picture, along with deep operational knowledge to apply at your bank. Learn the soft skills needed to get deals off the ground profitably and safely. Enhance your loan portfolio pricing and credit decision accuracy. Understand new and changing regulations and what you must do to comply. Build a nation-wide network of peers who work in your industry. Two Career-Enhancing Curricula Explore which school is right for you 1

4 FIND YOUR COMPETITVE EDGE A Smart Investment Nothing beats the enrichment of an in-person learning experience where world class faculty and industry experts are gathered in one convenient and cost-effective location. This style of learning is a hallmark of ABA s Commercial Lending Schools, which aim to optimize your investment through immersive, week-long residence programs on the campus of Southern Methodist University. Another signature trait? The Schools blended, cutting edge learning environments. Both the National and Graduate Commercial Lending Schools feature a combination of lectures, group discussions, computer simulations, team activities and case studies to keep this high-paced educational environment dynamic, fun and challenging. Invest in your own professional development and your bank s success by enrolling today. Learn from the Best * Tricia DeLeon Bracewell & Giuliani, LLP Dallas, Texas Richard Hamm Advantage Consulting & Training Huntsville, Alabama David L. Kemp Bankers Management, Inc. McDonough, Georgia S. Scott MacDonald, Ph.D. Adjunct Professor of Finance, Southern Methodist University Dallas, Texas Rosalind M. Mouser Ramsay, Bridgforth, Robinson & Raley, LLP Pine Bluff, Arkansas Kevin J. Nickodem First Citizens Bank Raleigh, North Carolina Vaughn C. Pearson Pearson & Associates Dallas, Texas Martin Dev Strischek SunTrust Bank Atlanta, Georgia *Partial List of Faculty Invited 2

5 ABA National Commercial Lending School Build a core foundation of expertise May 3 8, 2015 For those in the early stages of their career, the ABA National Commercial Lending School teaches the fundamentals of credit, analysis, pricing and strategy during a week of intensive, interactive curricula. Students return to their banks with careerenhancing, professional skills to ensure their own development as well as their bank s. Learning Objectives Develop and refine your lending strategies. Improve your return on investment. Identify and minimize the cost of problem loans. Increase the size of your bank s loan portfolio. Identify and maximize sales opportunities. Build your leadership skills. Who Should Attend Lending Officers Credit Analysts Loan Review Officers Examiners Branch Managers Bank Calling Officers Business Development Officers National Commercial Lending School Courses The courses are a winning combination of traditional classroom learning, as well as group work, computer simulations and scenario-based exercises. Business Lending Leadership Credit Quality: Evaluating & Assessing Banking, The Economy & Credit Outlook Developing the Credit Memo Evaluating the Commercial Borrower s Specialized Lending: Agricultural Loan Request Lending Underwriting the Loan Request Specialized Lending: Secured Specialized Lending: CRE Lending for Working Capital Evaluating the Commercial Borrower s Monitoring your Commercial Business Strategy Loan Portfolio National Fundamental Requirements 1 5 years experience in commercial lending. Understanding of balance sheets, operation and cash flow statements. Understanding of auditor reports and ratio analysis. Note: Those who need more training in commercial lending basics can enroll in the optional pre-program workshop: ABA Financial Statement Analysis for Lenders, May 2-3,

6 OPTIONAL WORKSHOP Financial Statement Analysis for Lenders May 2 3, 2015 Financial Statement Analysis & Bank Loan Simulations Need a refresher in commercial lending basics? Or have you missed out on formal credit training in the past? Attend this optional pre-program workshop on financial statement analysis the perfect way for you to brush up on core fundamentals. Course work covers contents of the balance sheet and the operating statement, auditor reports, ratio analysis, cash flow statements, working capital and commercial collateral. After attending, students will be able to describe and use basic financial ratios to establish the financial condition of a commercial business; determine the basis of accounting used and its effect on the financial statement or tax return; and develop and analyze a cash flow model for a more complete picture of business cash flow. Sessions Include Introduction to Business Financial Statements How Business Financial Statements and Tax Returns are Constructed Understanding Ratio Analysis Cash Flow Analysis Tuition $795 ABA Members $895 Nonmembers For details and to register, visit aba.com/cls BANK LOAN SIMULATIONS Practical Skill-Building Through Real-Life Scenarios All week long, National Commercial Lending School students take part in computerized bank loan simulations that model real-life bid sessions. This unique learning tool is a signature highlight of the curriculum, enabling students to hone their credit decision accuracy, credit selection and relationship pricing as they set goals and develop a loan portfolio. As the simulations move you from credit analyst to senior commercial loan manager, you ll gain vital skills in a fun, risk-free practice environment. You ll rake in deposits, generate new loans and enjoy the thrill of competing with your fellow students. 4

7 ABA Graduate Commercial Lending School Move from lender to leader May 3 8, 2015 ABA s Graduate Commercial Lending School features a deep dive into core competencies and provides experienced commercial lenders with the skills they need to address complex professional challenges. Coursework is designed to enhance the leadership skills of bankers who manage others in the delivery of business lending. You ll study high level credit risk management, loan portfolio management, loan and transfer pricing, and more while connecting with industry leaders. Graduate Advanced Learning Objectives Explore how the changing economy is affecting your bank. Define your bank s strategy for setting risk. Gain an understanding of the leadership motives that drive a bank s lending strategy. Position yourself on a trajectory of professional success and personal growth. Who Should Attend Lending Officers Credit Managers Loan Review Officers Graduates of the ABA National Commercial Lending School Register at aba.com/cls 5

8 ABA Graduate Commercial Lending School (Continued) 6ABA Graduate Commercial Lending School The Graduate Commercial Lending School a features fast-paced, dynamic learning environment all through the lens of leadership. You ll enjoy traditional lectures, as well as group work, computer simulations and scenario-based exercises. Courses include the following: Graduate Commercial Lending School Courses Banking, The Economy & Credit Outlook Credit Risk Management: Tools & Techniques CRE Risk Management Credit Risk Management Case Studies Global Debt & Contingent Liability Analysis Effective Collections and Bankruptcy Strategic Loan Pricing Business Lending Leadership, Parts I and II Problem Loan Management CRE Valuation Management Troubled Debt Restructurings (TDRs) Portfolio Stress Testing Avoiding Lending Liability Issues Funding Sources Requirements 5 or more years experience in commercial lending Current or aspiring management responsibility (people and/or portfolio) Graduate of the ABA National Commercial Lending School (preferred) Note: The optional pre-program workshop, ABA Financial Statement Analysis for Lenders, May 2-3, 2015, is open to Graduate Commercial Lending School students who need a refresher on commercial lending basics.

9 REGISTER TODAY! Enrollment is Limited Don t miss your chance to enroll in ABA s Commercial Lending School programs. Previous schools have reached capacity, so be sure to reserve your seat early. Tuition ABA Members save $1,000! $2,395 ABA Members $3,395 Nonmembers Fees include tuition, lunch, instructional materials and a certificate of completion. Housing is available at a nearby hotel at a discounted rate. Team Discount Send a team of two or more employees and take advantage of team discounts. 2 3 students receive a 5% tuition discount 4 10 students receive a 10% tuition discount 11+ students receive a 15% tuition discount How and Where ABA Commercial Lending Schools May 3 8, 2015 Southern Methodist University Dallas, Texas Reserve Your Seat Early These schools are only offered once a year. Take advantage by enrolling today. aba.com/cls or call BANKERS 7

10 Southern Methodist University A Vibrant Setting for Your Unforgettable Week of Learning ABA s Commercial Lending School classes are held at the Cox School of Business at Southern Methodist University (SMU). You ll enjoy the comforts of modern classrooms, social spaces and convenient facilities all equipped with the latest business and teaching technologies. Just five miles north of Dallas, the University s location offers students enriching experiences on campus and beyond. Hotel Accommodations How and Where Discounted room rates are available at the Holiday Inn Dallas Central Park Cities by calling Shuttle service is provided between the hotel and the SMU campus. When making reservations, mention the ABA Commercial Lending School to receive the discounted room rate of $134 per night. This rate includes daily breakfast and shuttle service. Hotel reservations should be made at least one month in advance to ensure the discounted rate. Detailed accommodation and meal information will be included in your acceptance package. 8

11 FIND YOUR COMPETITVE EDGE American Bankers Association National & Graduate Commercial Lending School 2015 Advisory Board Advisory Board Chair Howard D. (Doug) Robertson President and Senior Credit Officer Cadence Bank Columbus, Mississippi Advisory Board Members Louise Ann Francis National Bank Examiner and Technical Expert Credit Risk Policy Division Office of the Comptroller of the Currency Washington, D.C. Peter Giorno Vice President, Commercial Lender People s United Bank Concord, New Hampshire Daylin Hash President Landmark Bank Durant, Oklahoma G. Troy Hogue FDIC Supervisory Examiner Federal Deposit Insurance Corporation Dallas, Texas Barry C. Aldridge Case Manager Division of Risk Management Supervision Federal Deposit Insurance Corporation Dallas, Texas Dan Isaac Vice President, Agricultural and Commercial Lending First State Bank and Trust Company Fremont, Nebraska Derrick Jackson Senior Vice President/Chief Credit Officer Commonwealth Bank and Trust Louisville, Kentucky Vince Micco Vice President and Director of Sales Kearny Federal Savings Bank Fairfield, New Jersey Martin (Dev) Strischek SVP and Senior Credit Policy Officer Corporate Risk Management SunTrust Bank Atlanta, Georgia Student Representative Kimberly R. Moyers Business Relationship Banker First United Bank & Trust Morgantown, West Virginia Advisor to the Board S. Scott MacDonald, Ph.D. President and CEO Southwest Graduate School of Banking Dallas, Texas Register Today! Register today at aba.com/cls or call BANKERS

12 ABA National and Graduate Commercial Lending Schools May 3 8, 2015 Southern Methodist University Dallas, Texas 1120 Connecticut Avenue, NW Washington, DC Value matters. Distinguish your lending strategy REGISTER NOW! These schools are only offered once a year. Take advantage by enrolling today. aba.com/cls or call BANKERS