Loan Documentation for Loan Administration

Duration: 60 Minutes
Loan Documentation is a critical component in lending. After the decision to make a loan has been made, the next step is the documentation and closing process. This part of the lending process is essential in order to avoid loan losses due to poor documentation. The purpose of this Webinar is to provide participants with a good understanding of the five steps in loan documentation process.
Loan Documentation
Instructor: David Sawyer
Product ID: 510287
Objectives of the Presentation
After completing this course the participant will:
  • Recognize the documents required to complete the five steps in the documentation process
  • Have a good working knowledge of the purpose of each document
  • Be able to provide a broad overview of the loan documents' provisions
  • Know the rules of perfecting the security interest under the rules of Article 9 of the Uniform Commercial Code and Non-Article 9 rules
  • Be exposed to some loan processing management techniques
Why Should you Attend
Many community banks assign this important responsibility to Loan Officers and Loan Administrators. If not performed properly, poor documentation can cause loans to be adversely classified even if the underlying credit is sound or if the loan is performing as agreed.
This webinar will expose participants to five steps in the loan documentation process, which include.
  • Identifying the Borrower
  • Identifying and Documenting the Collateral
  • Evidencing the Debt
  • Attaching the Collateral
  • Perfecting the Security Interest
Each of the five steps requires certain documents to accomplish their respective purpose. The participant will develop an understanding of each of these documents and know when to use them. The primary documents to be presented are as follows:
  • Documents required to identify borrower and establish authority
    • Loan application
    • Financial statements
    • Credit memorandum
    • Typical business structures
      • Corporations
      • Limited liability companies
    • Corporate and partnership resolutions
    • Opinion letters
    • Certificates of good standing
    • Articles of incorporation
    • by-laws
  • Review legal definition of collateral types to avoid improper classification of collateral
    • Review of collateral definitions
    • Review of collateral valuation documents
  • Documents to evidence the debt
    • Commercial and consumer promissory notes
    • Loan agreements
    • Commitment letters
  • Documents to attach and support various types of collateral
    • Security agreement
    • Deed to secure debt
    • Hypothecation agreement
    • Guaranty agreement
    • Subordination agreement
    • Landlord's waiver
    • Insurance policies
  • Documents required to perfect the security interest
    • How to prepare and file uniform commercial code financing statement
    • Review of other methods of collateral perfection
In addition to the topics above, a review of compliance documents required in a real estate secured loan will also be covered during this session.

Who can Benefit
This workshop is directed towards:
  • Loan Officers
  • Loan Operations Staff
  • Loan Administrators
$300
Recorded Session for one participant
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  $450.00 Training CD
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How it works
Live Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • The webinar joining link, username and password for joining the webinar will be updated on your OCP Account 24 hours prior to the webinar
  • Presentation handouts in Downloadable PDF format will be updated on your OCP Account 24 hours prior to the live session
  • Login to the audio conference on the scheduled date and time
  • Get answers to your queries through interactive Q&A sessions via chat at the end of the session
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account 24 hours after the completion of the session
  • Please let us know your thoughts and views at the end of the webinar, your valuable feedback will help us improve
Recorded Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
  • Please click on the link to access the Recorded Session
  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account after 48 hours of the product Purchase
  • Please share your valuable Feedback at the end of the session
Instructor Profile:
David Sawyer's experience in banking began in 1981 in the area of credit administration with Central Bank of the South. Since that time he has served in the capacity of senior lender, senior credit officer and president and CEO of a community bank and two regional bank affiliates. His banking experience includes corporate, middle market and small businesses with emphasis on Clending as well as SBA and lending to municipalities.

David has a B.S degree with a major in banking and finance and is a graduate of LSU School of Banking. He recently received Credit Risk Certification from Robert Morris and Associates (RMA). David has enjoyed teaching and training other bankers throughout his career and has held numerous teaching certifications in the banking area.

David lends extensive knowledge and experience in lending, credit analysis and problem loan identification/workout in addition to experience with banking regulators in the present environment.
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