Loan Documentation for Loan Administration

Duration: 90 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.
Loan Documentation
Instructor: Jeffery W. Johnson
Product ID: 507726
Objectives of the Presentation
  • Identifying the borrower
  • Identifying and documenting the collateral
  • Evidencing the debt
  • Attaching the collateral
  • Perfecting the security interest
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.

Areas Covered
  • Documents required to identify borrower and establish authority
    • Loan application
    • Financial statements
    • Credit memorandum
    • 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
  • Documents required to perfect the security interest
    • How to prepare and file uniform commercial code financing statement
    • Review of other methods of collateral perfection
Who will Benefit
  • Credit Analyst
  • Loan Officers
  • Loan Operations Staff
  • Loan Administrators
$300
Recorded Session for one participant
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  • 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:
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.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta, GA; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking Diploma from Prochnow School of Banking at the University of Wisconsin-Madison and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.
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