Commercial Lending School

Program is 9 a.m. - 4 p.m. local time and includes lunch each day. Registration (on the first day only) begins after 8:30 a.m.

Should you need overnight accommodations we suggest: Holiday Inn Express, 1520 Alliant Avenue, Louisville (502) 240-0035; be sure to mention you are attending a KBA program to receive our rate. The special rate for KBA will expire 9/5/25.

How well do you really know the underwriting process in Commercial Lending?  The purpose of this school is to enable participants to discover their level of proficiency in analyzing, approving, and managing commercial loans.  This school will be composed of real life comprehensive case studies where participants will be required to review case details and recommend a course of action.

The school involves minimum teaching of the analysis process because the purpose is for participants to display their analytical capabilities.  This will encourage participants to discover their own area of strengths and weaknesses in the commercial lending underwriting process.  However, during the analysis of case studies, instructors will lead discussions on participants’ observations, analysis, documentation, recommendations, and management of the cases.  This will allow instructors to recommend the most effective management process if the participants do not discover them.

The course is composed of real life comprehensive case studies where the participants must read and solve the case.  In doing so, they must demonstrate their commercial lending skill levels including:

• Analyzing Industry, Management, and Business Risks
• Understanding Credit Ratios for Commercial & Industrial to Determine Financial Strength
• Understanding Loan Structuring for Both Short-Term & Long-Term Loans 
• Understanding Cash Flow and Global Cash Flow Analysis to Determine True Debt Coverage Ratio
• Understanding Financial Forecasting & Sustainability Growth Analysis
• Understanding Capital Budgeting Before Capital Assets are Acquired
• Utilizing Loan Agreement and Other Commercial Loan Documentation Required to Protect the Banks’ Interest in Borrowers’ Assets Pledged as Collateral
• Understanding How to Assign Credit Risk Ratings to Commercial, Industrial and Real Estate Loans 
• Effective Loan Portfolio  & Problem Loan Management
• Understanding of Other Credit Administration Issues Including Identification of Trouble Debt Restructuring and Principles Surrounding the Calculation of the Allowance for Loans and Lease Losses
• Principles of Commercial Real Estate Loans Including: Types of CRE Loans; Ratio Analysis; Types of Lease Agreement, and Loan Structuring
• Understanding Techniques in Writing an Effective Credit Memorandum
• Appendix Covering Major Commercial & Industrial and Commercial Real Estate Regulator Guidance

WHO SHOULD ATTEND
Directors
Senior Credit Officer
Senior Loan Officers
Commercial Loan Officers
Credit Analysts
Consumer Loan Officers
Commercial Branch Managers 
Loan Review Officers   
Auditors
Credit Administration Personnel

Event Brochure
  

Online registrations are followed up with an email confirmation. Once an online registration is started you must click proceed to check-out and then click submit to finalize the registration. Registrants can view events they are registered using the MyKBA link on https://www.kybanks.com.

If you are not a KBA member, please contact Paula Cross at pcross@kybanks.com or 502-736-1276 for the possibility of attending at a non-member rate.
When
9/15/2025 9:00 AM - 9/19/2025 2:00 PM
Eastern Daylight Time
Where
Kentucky Society of CPA's 1735 Alliant Avenue Louisville, KY 40299
Spots available
45
Registration
Sign in or create an account to register
Registration ends 9/15/2025 8:00 AM EDT

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About the Speaker(s)



Mr. Jeffery Johnson
Bankers Insight Group, LLC

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.Mr. Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.


Education Alliance Cancellation Policy
 Substitutions are always welcome and encouraged. All cancellations and substitutions request must be submitted in writing prior to the event.

KBA Seminar Registrations can cancel 30 days prior to the event date and receive a full refund. Cancellations received between 29 days and 10 days prior to the event will be charged a $50 processing fee. There will be no refund for cancellations received less than 10 days prior to the event.

KBA Schools Applicants can withdraw from a KBA School 10 days prior to the 1st day of the school for a refund minus a $150 cancellation fee. There is no refund if an applicant withdraws after the deadline or if applicant fails to attend the school, with the exception of extenuating circumstances. Due to commitments and expenses we cannot reverse, such as: handouts, food, beverages, room rentals, speaker fees, etc.; even extenuating circumstances will require partial refunds because of these expenses.