March 9-10, 2023, The Florida Hotel, Orlando, Florida

Speaker: Mike Wear, Owner, 39 Acres Corporation

This workshop is unique as it is entirely case-driven, using reality-based examples; real businesses, real financial reports, real situations to evaluate. The instructor has 25 years of experience as a commercial lender and manager of credit analytic departments, and he will share tips, techniques, and lessons learned from real-life situations. Attendees will work on cases in teams and share ideas and different ways to underwrite. Complex concepts will be illustrated with humor, games, and funny stories so as to provide an enjoyable learning experience.

The topics covered with the case studies will include:​

• ​Walking through business and personal tax returns to identify capacity and conclude a global cash flow. Identify and discuss subjective areas. 
• How to analyze any cash flow statement (direct, indirect, UCA) in 5 minutes.
• How to analyze any ratio and determine what is driving the number.  Learn new ways to use ratios, including DuPont analysis.
• How to differentiate the real loan purpose(s) if you have a loan request for “working capital.”

​Registration ​Prior to 2/8/23
FBA Member: $700.00/person
Non-Member: $1,600.00/person

Registration After 2/8/23
FBA Member: $800.00/person
Non-Member: $1,600.00/person

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For more information, please download the brochure at the link below

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Topics Covered

• Using real-life business examples, learn how to quickly identify and underwrite the business model and key variables with a deeper understanding of ratios and cash flow drivers for early identification of the strengths, weaknesses and uncertainties of a business.
• Learn how to evaluate industry trends, competition, and market disruptors.
• Identify often-overlooked early indicators of stressed business cash flow well before any payment delinquency. Learn what steps to take if you suspect a potential problem loan.
• Determine proper loan structure, matching repayment source(s) with appropriate level of covenant monitoring combined with credit enhancement strategies that actually strengthen the borrower’s relationship and provide value to the business.
• Develop a deeper reality-based understanding of how to increase recovery from loan collateral, ensuring attachment and perfection, and commensurate monitoring to mitigate risk.
• Obtain a working knowledge of income-producing real estate lending and underwriting, property-specific operating ratios, loan sizing using Debt Yield, as well as evaluating appraisal valuations and their subjective considerations.
• Deepen understanding of tenant rent rolls and lease clauses, stress-testing real estate loans, and cap rates, including their impact on future valuation.
• Discuss how to strengthen portfolio risk management with practical examples of alignment of credit culture with credit policy, staff behavior, and strategic mission as well as effective risk rating protocols. 
• Lenders: Proven ways (from a lender) to start and sustain your own business banking calling program, bolster quality referrals and never have to do a cold call ever again. Learn techniques to increase the relationship’s net interest margin for the bank. 
• Analysts: Learn how to provide a continual value-add to existing and new business relationships. Learn how to ask the ‘right’ questions.
• Everyone:  Free online resources and job aids for continued use.

Schedule

8:30 AM - 9:00 AM: Registration

9:00 AM - 12:00 PM: Program

12:00 PM - 1:00 PM: Lunch

1:00 PM - 4:00 PM: Program

Speaker

Mike Wear is owner of 39 Acres Corporation, specializing in banker training and bank consulting services in credit underwriting and loan portfolio risk management. Wear is a Senior Analyst in the Credit Risk Administration department of First National Bank of Omaha, a $20 billion community bank, specializing in underwriting commercial real estate loans typically ranging from $10 - $100 million throughout the bank’s multi-state market. In addition, he develops curriculum and conducts training in credit analytics on an enterprise-wide basis.
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Over his 40-year banking career, he previously served in commercial lending and senior credit management positions with Omaha-area community banks.
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.

Mike also teaches at several regional commercial lending and portfolio management schools sponsored by State Banking Associations. 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.

Hotel Information

We ask that participants make their own sleeping room reservations. The seminar hotel is the Florida Hotel & Conference Center, 1500 Sand Lake Road, Orlando, 32809. (GPS address: 8001 S. Orange Blossom Trail, Orlando, 32809).

Contact the hotel at 800-588-4656 and identify yourselves with the FBA Commercial Loan Underwriting Workshop for the $140 room rate. Make your reservations before the cut-off date of Monday, February 13, 2023.

​Event Contact: Olga Williams
Phone: 850-701-3501
Email: [email protected]