Small Business Lending: Understanding Financial Metrics - Minimize Conflicts

Why Should You Attend:

This course will focus on small business lending strategies, taking account of the challenges presented by borrowers with relatively little financial information, thin management depth, and prospective conflicts in business vs. owner interests. Participants are challenged to consider how to address these barriers to otherwise profitable business, with various ways to shore up credit gaps while serving client needs.

Considering the various risks and rewards of small business lending, this webinar will discuss how to balance lender credit risk parameters with revenue and market share goals, particularly in light of the strong competition in this sector from other bank and non-bank lenders.

Learning Objectives:

• Recognize the opportunity–and perils–of lending to younger stage and small companies
• Identify challenges to small business lending through the lens of macro economic realities and understanding scope of the marketplace
• Understand how moderate risks produce stumbling blocks for business success
• Understand the principal risk factors that are present with all small businesses and determine whether they might be overcome
• Consider how the owner’s personal values compares to the credit culture standards of the lender, and determine if they are an appropriate candidate to be a client

Areas Covered in the Webinar:

• Recognizing limitations of small business financial information
• Emphasizing key financial information targets and how to develop context to the data
• Limitations of spreading tax returns
• How lenders may create better financial reports for business than business created
• Some of the many parties providing capital to small business for various needs
• Obscure online sources that are innovators in small business finance
• How to answer obstacles and competition, and approach future of lending small companies

Who Will Benefit:

• Loan officers
• BDOs
• Relationship managers
• Credit analysts
• Loan underwriters
• Loan processors
• Chief credit officers (CCOs)
• Senior loan officers (SLOs)
• Loan committee members and other direct lending staff

Charles H Green
Charles Green and Company, Principal

Charles Green is a seasoned commercial lender with more than 35 years’ focus on funding the small business sector. He founded and served as president/CEO of Sunrise Bank of Atlanta, and in addition has served as a director for several companies, including Chair of Atlanta Medical Center.

His previous teaching experience includes the Stonier Graduate School of Banking, Graduate School of Banking at Wisconsin, Graduate Commercial Lending School, as well as online programs for several private enterprises.

He has written extensively about business financing, including the Banker’s Guide to New Small Business Finance (John Wiley & Sons, 2014), Get Financing Now (McGraw-Hill, 2012) and the bestselling The SBA Loan Book, 3rd Edition (Adams Media, 2011). Mr. Green earned a B.S. in Finance from the University of Alabama, diploma from the Stonier Graduate School of Banking, and completed Executive Education at Harvard Business School.

Topic Background:

How often have we thought of violent incidents at a workplace, or other work-related catastrophes thinking we knew or should have seen it coming? Of course that’s easier said than done. The Americans with Disabilities Act requires employers to provide reasonable accommodations to qualified individuals with disabilities, including those with mental/psychiatric impairments, that substantially limit their major life activities--unless the accommodation causes an undue hardship on the employer; or the employee poses a direct threat either to his safety or the safety of others.

But what does all that really mean? When interacting with employees with psychiatric conditions, which fears and concerns are valid? How should employers address these concerns, especially in light of the increase in and devastating damage caused by incidents of workplace violence? How do you know when someone has a psychiatric illness or is just plain strange? And, when someone does have a psychiatric illness, what are your obligations? Not knowing the answers to these questions could guarantee you legal trouble.

This webinar will enable you to become aware of your responsibilities so you can take your first steps toward preventing tragedy, ensuring a productive, engaged workforce and safe workplace, and that you are protected against legal liability.

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