CRM_A’s Training Services

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CRM_A Training

Our course list spans credit, documentation and regulatory classes. We deliver on premise or at a corporate training/conference facility in Raleigh, N.C.

All Raleigh-based classes run from 9:00 a.m. to 4:30 p.m. (business casual)


Check out our preferred rates for local hotels.


Customizable Training Options:

CRM_A, LLC provides a broad range of credit, documentation and compliance solutions to empower your organization and employees with the skills and knowledge to excel. In addition to our scheduled training classes and topics, CRM_A will work with you to design and deliver specific innovative training that engages participants with content tailored to your organization’s needs.


NOTE: To print course descriptions, open one or more and select print from your browser menu.

 

Course Schedule

Q1 2016
Date Course
Mar 15-17 NCBA Basic Commercial Lending
Mar 29-31 NCBA Intermediate Commercial and Industrial Lending
Q2 2016
Date Course
Apr 5-7 NCBA Advanced Commercial and Industrial Lending
May 3 CRM_A Toolbar® Training
May 11 CRM_A Loan Documentation
May 17-19 NCBA Intermediate Commercial Real Estate Lending
Q3 2016
Date Course
Sep 27-29 NCBA Basic Commercial Lending
Q4 2016
Date Course
Oct 18-20 NCBA Intermediate Commercial and Industrial Lending
Nov 15-17 NCBA Advanced Commercial and Industrial Lending

Course Descriptions, Pricing and Registration

CRM_A Real Estate Valuations

Real estate lending is a cornerstone of most financial institutions and valuing collateral is both a regulatory and credit quality must. This course answers why a valuation is useful, when and what type of valuation is needed, who can perform, and how to value specific real estate types.

Course Content:

The two-day course covers
  • Appraisals – Regulations, key terms, and how to assess an appraisal
  • Evaluations – Definitions, key terms, and how to perform an evaluation
  • The Valuation Process - What is my role as a lender, approver, or reviewer?
  • Appraisal Case Studies
  • Evaluation Case Studies
Note: Adding CRM_A's Real Estate Valuation Methodology course will deepen your understanding of real estate valuations by addressing valuation methodology for multiple property types.
Cost:
$650 per person
$550 per person (Group Registration - 2 or more participants)
$500 per person (CRM_A Credit Manual or ALLL Client)

 

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CRM_A Consumer Lending School

Consumer lending entails more than just looking at a credit score, especially given the turbulent credit environment. A lender must look beyond the score and objectively judge each credit on a case-by-case basic. Identify sales opportunities with prospects and current clients. Learn how to evaluate credit bureau reports, calculate debt ratios, review personal financial statements, and consider unsecured lending standards using case analysis and classroom discussion.

  • Calculating loan-to-value and the debt ratio
  • Review, analysis and comparison of credit reports and Personal Financial Statements
  • Determining a borrower's actual net worth
  • Determining when and what mitigating factors to use for exceptions
  • Making use of the three methods (Adjusted Net Worth, Gross Annual Income and Stable Liquid Assets calculations) to analyze unsecured loans
Cost:
$650 per person
$550 per person (Group Registration - 2 or more participants)
$500 per person (CRM_A Credit Manual Client)

 

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CRM_A Loan Documentation

Has your lending staff's basic knowledge of loan documentation kept up as doc prep systems and centralized delivery systems have evolved? Loss prevention requires community bankers to maintain a good working knowledge of documentation concepts and proper lien perfection. This course focuses on the key risk issues related to real estate loans, loan modifications, Uniform Commercial Code, title opinions and insurance, legal entities and more.

Course Outline:

Legal Documentation Overview—Organizational Documents, Uniform Commercial Code, Title Insurance, Real Estate Documentation and Other Aspects of Collateral Lending

Course Content:
  • Determining appropriate documentation requirements for secured and unsecured commercial and real estate loans
  • Managing the documentation and closing process
  • Perfecting security interests in collateral with regard to UCC, titled personal property and real estate
  • Discussion of recent court decisions relating to collateral perfection
  • Suggestions for enhancing the secondary review process
Who should attend: Any lender, underwriter, operations manager, credit officer, executive or administrative staff member who wants to expand their general knowledge of current legal documentation. New employees within a centralized documentation unit can learn good habits and experienced team members will enjoy a refresher.
Cost:
$325 per person
$275 per person (Group Registration - 2 or more participants)
$250 per person (CRM_A Credit Manual or ALLL Client)

 

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CRM_A Toolbar® Training

CRM_A Toolbar® is one of the industries easiest tools to computer global and income property cash flows, as well as financial spreads, builder and portfolio management tools. As your organization hires or promotes lenders, let CRM_A train your users in the most commonly used spreadsheet underwriting tools.

Course Content:

Overview and Case Study
  • Global Cash Flow Analysis Workbooks
  • Income Properties
  • Financial Spreads and Projections
  • Consumer Lending Tool
Overview
  • Builder Line and Liquidity Analysis
  • Residential and Commercial Construction Draw Sheets
  • Borrowing Base Analysis
  • Agriculture Worksheets
  • Religious Workbook
Cost:
$325 per person
$275 per person (Group Registration -2 or more participants)
$250 per person (CRM_A Credit Manual Client)

 

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NCBA Basic Commercial Lending

This class covers lending to operating companies as well was commercial real estate. The sessions focus on business and global cash flow and help participants dissect a personal financial statement, structure small business loans, and spot appropriate unsecured loan opportunities.

Topics Include:
  • Overview of the Commercial Lending Environment
  • Borrower and Global Cash Flow
  • Financial Statement Analysis
  • Introduction to Commercial Real Estate
  • Unsecured Lending
  • Improving Credit Memos
Who should attend: Any participant desiring to deepen their understanding of commercial lending from an introductory level.
Cost:
$750 per person

 

To enroll, register online at https://www.ncbankers.org/calendar-of-seminars-events/
NCBA Intermediate Commercial and Industrial (C&I) Lending Course

The Intermediate C&I class focuses on operating companies, specifically the balance sheet and its effect on the cash flow statements. Students will learn sources and uses, the cash cycle, and help determine line of credit needs. Also covered are borrower due diligence questions and covenants appropriate for operating companies.

Topics Include:
  • Advanced Cash Flow Analysis
  • Identifying the Loan Purpose
  • Proper Loan Structures
  • Asset Conversion
  • Asset Based Lines of Credit
  • Borrower Due Diligence
Who should attend: Any participant focused on operating companies. This course dives deep into balance sheet lending and includes discussions and cases centered on UCA Cash Flow analysis.
Cost:
$800 per person
$775 per person (NCBA Member/Affiliate)

 

To enroll, register online at https://www.ncbankers.org/calendar-of-seminars-events/
NCBA Intermediate Commercial Real Estate Course

The Intermediate CRE class centers on income producing properties and residential builders. Students learn how net operating income correlates to loan amount and sensitivity analysis for specific property types. Relative to builders, calculating liquidity ratios, managing construction draws, determining sell-out ratios, managing multi-phase projects, and loan repayment trends are discussed.

Topics Include:
  • Analyzing Lease and Tenant Quality
  • Property Specific Cash Flow (Office, Retail, Hotel, Self Storage, etc.)
  • Lending to Residential Builders and Developers
  • Appraisal Hot Topics
  • Income Property Methodology
Who should attend: Any participant who focuses on income generating commercial real estate or residential builders. Discussion and cases center around income derived from rental income, sale of real estate, vacancy, liquidity analysis, and stress testing income generating real estate.
Cost:
$800 per person
$775 per person (NCBA Member/Affiliate)

 

To enroll, register online at https://www.ncbankers.org/calendar-of-seminars-events/
NCBA Advanced Commercial and Industrial Lending

The Advanced class keys in on specialty loan products like letters of credit and ABL lines and non-traditional borrowers like not-for-profits, municipalities, and professional entities. Participants will dive deeper into use of covenants, problem loan signs, and opportunities for non-recourse loans.

Topics Include:
  • Lending to Not-for-Profits
  • Analyzing Religious Organizations
  • Interpreting Municipality Financial Statements
  • Leveraged Lending (Participations and Syndication National Credits)
  • Portfolio Management (Covenants, Risk Rating, etc.)

Final Presentation:
  • Participants will be tasked with analyzing a complex commercial relationship including:
    • Large operating entity with current working capital facility
    • Guarantors with outside investments
    • Included in related entities are commercial real estate investment(s)
    • Relative case data will be included in the final loan package
  • Each participant will have one month to analyze customer data, structure a new loan request, recommend a relationship risk grade, proposal renewal terms for the working capital facility, and finalize an annual review
  • Participant will submit their underwriting package to the instructor one week prior to their presentation
  • Loan presentations will be shared as at the final class in a Board like setting
  • Each student will be awarded a diploma signifying their completion of the North Carolina Bankers Association’s Certified Lender Program.
Who should attend: Any participant who has successfully completed all of the above C&I courses. The class will include a group case study and loan committee presentation simulation. Participants mastering this course will be awarded a diploma signifying their completion of the NCBA Certified Commercial Lender program.
Cost:
$800 per person
$775 per person (NCBA Member/Affiliate)

 

To enroll, register online at https://www.ncbankers.org/calendar-of-seminars-events/

CRM_A, LLC is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to National Registry of CPR Sponsors through its website: www.learningmarket.org