2011
Secured Loan
Documentation
New instructor
March 15 – Knoxville
UT Conference Center
March 16 – Nashville
TBA Barrett Training Center
March 17 – Jackson
Union University – Barefoot Student Union Building/
Carl Grant Events Center
2011 Secured Loan Documentation
Seminar OVerview
Proper loan documentation and perfection of collateral are key components toward
ensuring the health of the bank’s loan portfolio. Inadequate loan documentation and
lien perfection contribute to significant loan losses on transactions that otherwise
would be quality earning assets. In particular, errors in the loan documentation
process lead to additional concerns for the lending officer and the bank when
borrowers fail to pay or loans are deemed to need special servicing attention.
The purpose of this one-day workshop is to provide participants with a thorough
understanding of the loan documentation process. The presentation will expose
attendants to a variety of topics, pitfalls, and other considerations related to the
lending process and collateral documentation. The five steps of the lending process
reviewed by the speaker include:
• Identification of the borrower
• Identification and understanding of the collateral
• Documentation to evidence the debt
• Assigning the collateral
• Perfecting the security interest
Who should attend
The target audience for this workshop includes all persons in the bank associated with
the lending process—lending officers, credit analysts, credit department personnel,
lending assistants, internal auditors, loan review officers, compliance department
personnel, administrative assistants, senior management, etc.
Delivery method and Program level/content
This group-live, overview program will cover the many steps and issues for those
involved in the loan documentation process. Each participant will receive valuable
information along with documents and examples they will use as reference materials
ongoing. The instructor will take time to discuss and answer questions participants
may have relevant to the loan documentation process.
Course objectives
Upon completion of the workshop participants will:
• Understand and identify documentation to evidence the debt for various types of loan transactions
• Identify collateral documentation required to assign and perfect the security interest for various types of collateral
• Understand and guard against pitfalls and documentation errors that may lead to collateral insecurity and potential loan losses
• Learn about loan processing and documentation management techniques
Workshop OVerview
The Lending Officer - Roles and
Responsibilities
• Selling
• Relationship Development/ Relationship Management
• The Loan Approval Process
• Loan Structuring
• Loan Closing and Documentation
The Borrower
• Types of Borrowers
– Individuals
– Proprietors
– Partnerships
– Corporations
• Identification of Borrower
– Know Your Customer
– Authority to Borrow
- Resolutions
- Certificate of Good Standing
The Lending Process
• Application
• Credit Investigation
• Credit Underwriting
– Financial Information Requirements
– File Documentation
• Pricing
• Loan Structuring
• The Approval Process
Loan Documentation
• Evidencing the Debt
– Proposal Letters
– Commitment Letters
– Promissory Note
– Loan Agreement
• Collateral Assignment
– Guaranty Agreements
– Security Agreement
– Hypothecation Agreement
– Subordination Agreement
• Collateral Lien Perfection
– Automobiles
– Real Estate
– Equipment
– Agriculture
– Floating Collateral
– Aircraft
– Securities and Asset Portfolios
The Uniform Commercial Code
2011 Secured Loan Documentation
PROGRAm Instructor
Ronnie L. Boling is a 30–plus year veteran of the banking industry. He began
his banking career in East Tennessee with
the Union Peoples Bank of Clinton, which
later became an affiliate of the First American Corporation of Nashville.
Boling’s career has been spent in lending
and relationship management. He has
worked in all aspects of lending from credit analyst, lending officer, relationship manager, regional private banking
manager, and chief lending officer. His experience includes
exposure to all types of credit transactions involving individual, small business, and corporate borrowers.
Boling is now a training professional in the banking industry. He leads seminars and participates on the faculty of
several banking schools across the country. He has a BS degree in accounting from the University of Tennessee and is
a graduate of the Graduate School of Banking at Louisiana
State University.
CONTINUING EDUCATION CREDIT
Attendants qualify for 6.5 hours of Continuing
Professional Education (CPE) credit in the area
of Specialized Knowledge and Application. No
advanced preparation required for this program.
In accordance with the standards of the National Registry
of CPE Sponsors, CPE credits have been granted based on
a 50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at
615/244-4871.
Tennessee Bankers Association is registered with the National Association of State Boards
of Accountancy (NASBA) as a sponsor of continuing professional education on the National
Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may
be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite
700, Nashville, TN, 37219-2417. Web site: www.nasba.org
Submitted for 6.5 hours of credit from the Institute
of Certified Bankers (ICB); area to be determined.
Please make application directly with ICB.
For additional continuing education credit information, call the TBA education department at 800/9645525 or 615/244-4871.
DATES AND LOCATIONS
SCHEDULE
March 15 – Knoxville
8:30 am
9:00 am
Noon
1:00 pm 4:00 pm UT Conference Center
600 Henley Street – 865/974-0250
March 16 – Nashville
TBA Barrett Training Center
211 Athens Way – 800/964-5525 or 615/244-4871
The meeting location is a designated
nonsmoking facility and property.
March 17 – Jackson
Union University – Barefoot Student Union Building/Carl Grant Events Center
1050 Union University Dr
Contact TBA 800/964-5525 or 615/244-4871
The meeting location is a designated
nonsmoking facility and property.
Check the link on the TBA website for detailed
directions and parking information for this site
www.TNBankers.org/grantcenter-parking.html.
PROGRAM FEES
TBA Members / Associate Members
Early Registration
$205
Nonmembers
$410
Early registration deadline is March 8.
Registration
$230
$435
At-the-door
$255
$460
Fee covers instruction, instructional materials, refreshment
breaks, and lunch. Please register early. At-the-door
registrants will be assessed an additional $25 late registration fee.
No written confirmation of seminar registration will be
sent from the TBA.
Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.
Registration
Program begins
Lunch
Program resumes
Program adjourns
GENERAL INFORMATION
Attire: Business casual attire is appropriate for all TBA
programs. Because of temperature variations in meeting
rooms, please bring a sweater or jacket for your comfort.
Special Needs: If you have a disability that may affect your
participation in this program, please send TBA a statement
regarding any special needs at least 10 days before the
program. We will contact you to discuss accommodations.
Cancellation Policy: Cancellations received in the
TBA office 7 business days prior to the scheduled program will be refunded in full. Due to commitments,
cancellations received less than 7 business days prior
to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend
the program or send a substitute will be responsible
for the entire registration fee.
Inclement Weather Policy: Cancellations due to inclement weather are refundable, minus a late cancellation
fee of $25 for a one-day program and $40 for a two-day
program. If you have questions concerning the status of
a TBA program due to inclement weather, please call the
TBA office at 615/244-4871 or 800/964-5525, x150. The
TBA number will provide information concerning program
status, cancellation fee, and refund requests. You may call
the site where the program is being held to check the
status of the program in your area. The site phone number
is listed in this brochure.
For more information about this program, contact:
Debbie Brickles - [email protected]
Vice President and Director of Training
and Development
Tennessee Bankers Association
211 Athens Way, Ste 100
Nashville, TN 37228-1381
800/964-5525 or 615/244-4871
or www.TNBankers.org.
2011 Secured Loan Documentation
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March 15 – Knoxville , UT Conference Center
March 16 – Nashville, TBA Barrett Training Center
March 17 – Jackson, Union University – Barefoot Student
Union Building/Carl Grant Events Center
Please print or type.
To register online go
to www.TNBankers.org
Must be included.
For educational tracking only.
Name_ ________________________________________ E-mail__________________________________ SS#___________________________ TBA Members / Associate Members
Early Registration
$205
Nonmembers
$410
Early registration deadline is March 8.
Registration
$230
$435
At-the-door
$255
$460
TOTAL ENCLOSED $____________
Method of payment ❏ VISA ❏ MasterCard ❏ Check
CK#__________ (Make checks payable to Tennessee Bankers Association)
Name_ ________________________________________ E-mail__________________________________ SS#___________________________ Card #_____________________________________ Exp Date_______
Name_ ________________________________________ E-mail__________________________________ SS#___________________________ Name as appears on card (please print)_ __________________________
Name_ ________________________________________ E-mail__________________________________ SS#___________________________ Card billing address_____________________________________________
Company_____________________________________________________________________________________________________________
City________________________________ State_______ Zip____________
Address_ _____________________________________________________________________________________________________________
Signature of cardholder_ ____________________________________
City_____________________________________________________________ State________________ Zip_ ___________________________
Return completed form and payment to:
Tennessee Bankers Association
Contact______________________________________________________________________________________________________________
Phone_____________________________________________________ E-mail_ ____________________________________________________
ATTN: Monique Jenkins
211 Athens Way, Ste 100
Nashville, TN 37228-1381
Phone: 615/244-4871 or 800/964-5525 Fax: 615/324-1990