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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:

MikeWear@hotmail.com

402-871-9067

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.