Apr 27, 11:00 AM – May 11, 12:00 PM
SBA Lending Series

Do Credit Memos

Evolve with the Market?

April 27th, 2021  |  11:00 am est

  • Do credit memos change or evolve?  Should they evolve?  Do they have a tendency to change in a recession? 

  • What should we require and expect of lenders and analysts: to be sure they have asked the ‘right’ questions, vetted the responses to the extent possible, and factored the borrower’s answers into our recommendations?

  • How does a recession change this process?  

  • Practical tips on how to improve credit memo content.

Loan Portfolio Triage &

Loan Grading 

May 4th, 2021     |    11:00 am est

  • Steps to identify and then prioritize borrowers for potential Loss Given Default (LGD)?

  •  How can we reduce the vulnerability of our loan grading system in a recession…does it still adequately measure risk, given falling collateral values and uncontrollable external factors that impact our loan repayment?

  • How do we factor-in economic or industry weakness when the borrower’s historical financials are still supportive?

Government Loan Guarantees 

May 11th, 2021    |    11:00 am est

  • As the PPP Loan Program was short-term relief, how can we help our commercial borrowers long-term, WHILE protecting the bank’s capital?

  • Review the most-recent SBA program updates and how to take advantage before government funding runs out.

  • What are the ‘rules’ to refinance our own debt into a government-guaranteed facility?

  • Brief overview and advantages of various SBA programs, from a banker’s perspective.

Michael Wear

President/ 39 Acres Corporation

Contact Information:



Mike Wear is owner of 39 Acres Corporation, specializing in banker training and consulting services in credit risk underwriting and loan portfolio risk management.  Less lecture—real-life business cases—more hands-on practice… and more fun!


Over his 41-year banking career, he previously served in commercial lending and senior credit management positions with Omaha-area community banks.  Wear retired as a Senior Analyst in the Credit Risk Administration department of First National Bank of Omaha, a $24B regional community bank, specializing in underwriting larger ($10-100M) commercial real estate loans throughout the country.  In addition, he developed curriculum and conducted multi-tier training programs in credit analytics on an enterprise-wide basis.


He is the Loan Portfolio Management Section Leader and serves as a member of the faculty at the Graduate School of Banking at the University of Wisconsin in Madison, as well as GSB’s Sales & Marketing School and IT Management School.  He is a former adjunct professor for the University of Nebraska-Omaha. He has authored articles for banking publications and has served as a textbook editor/reviewer for the American Bankers Association.


Mike is now expanding his advanced Commercial and CRE lending workshops and teaches for several State Banking Associations.  Consulting services include highly-customized credit analytics coaching, effective prospecting, and loan portfolio risk management strategies and tools to identify risk in the Pass-rated portfolio. 

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