Coleman Certified SBA 7(a) Loan Underwriting Onsite Training w/ Bob Coleman – 1/22/25
AmPac Business Capital Training Facility
Ontario, California
(Less than one mile) from Ontario International Airport
Wednesday, January 22, 2025
(1:00 pm to 5:00 pm)
Thursday, January 23, 2025
(8:00 am to 3:00 pm)
Regular Registration $1795
At the Door Registration (1/22/25) $1995
Bob Coleman brings his SBA 7(a) underwriting course live to SoCal!
The SBA 7(a) loan underwriter makes the crucial judgments that go beyond typical underwriting to ensure the validity of the federal government guarantee for your institution’s SBA loan portfolio.
Loan underwriters are trained to assess risk and craft solutions to mitigate credit risk.
SBA loan underwriters have additional responsibilities and it’s simply not enough to insert a clause into your credit memorandum that the SBA guaranty is the loan risk mitigation.
Rather, the underwriter must have contextual knowledge of SBA’s rules and regulations. Prudent due diligence is required in order to not compromise the integrity of the SBA loan guaranty.
This onsite course will help underwriters master the nuances of SBA lending and be able to correctly underwrite all types of loans, applying the SBA 7(a) guidelines every time.
Unique to Coleman’s underwriting training is the use of two case studies:
1. A $5 million real estate acquisition loan
2. A $500,000 franchise business acquisition loan
Coleman will lead an analysis and outline of an SBA 7(a) credit memo for the participants.
SBA 7(a) Loan Underwriting Course Syllabus
SBA 101
– The Small Business Administration
– The SBA 7(a) Loan Program
– SBA Loan Programs
– SBA Lender Certifications
– SBA 7(a) Submission of GP Loans
Franklin Brothers Real Estate Acquisition Case Study
– SBA Form 1919
– Debt Refinance Loans
Franchise Business Acquisition Case Study
– Business Acquisition Loans
– Franchise Loans
– Debt Refinance Loans
– SBA Express Loans
SBA Global Cash Flow Analysis
– Personal Financial Statement
– Affiliation
– Guarantors
– Ridgestone Bank SBA OIG Loan Review
– Calculating Cash Flow
– Historical Cash Flow Analysis
– Projections and Cash Flow
– Working Capital Adequacy
SBA Financial Statement Analysis
– Income Statement
– Balance Sheet
– Owner’s Equity
SBA Loan Structure
– Use of Proceeds
– Equity Injection
– EPC and OC
What Not to Do
– Criminal Sanctions banc-serv Fraud Case Study
– Denial of Guaranty USC Credit Union Case Study
– False Claims Pinnacle Bank Case Study
Collateral
– SBA Collateral Value Calculation
– Appraisals – Real Estate, Equipment, Business
– Assignment of Lease and Landlord Waiver
– Insurance
– Construction Loan Provisions
SBA Loan Requirements
– SBA Form 159
Writing the Franklin Brothers Credit Memo
– SBA 7(a) Loan Underwriting Addendum
– Use of Proceeds Audience
– Lender’s Credit Analysis
– Financial Analysis of Repayment Ability
– Global Cash Flow
– Projections
– Ratio Calculations
– Collateral Adequacy
– SBA Insurance Requirements
– SBA Appraisals, Environmental, Valuation
– Equity Injection
– Lender’s Rationale for Recommending Approval
– SBA Credit Elsewhere Statement
– SBA Working Capital Adequacy
– Credit Memo for Loans Less Than $500K
Writing the Franchise Business Acquisition
The SBA Express Credit Memo
Bob Coleman brings a wealth of inside SBA Lending perspective to his training.
Bob Coleman is the Author of “Money Money Everywhere and Not a Drop for Main Street.” He is the founder of Coleman Publishing, a publisher of newsletters, reports, data, conferences, webinars, online training videos — to help finance professionals become small business lending experts.
Bob is the nationally recognized expert on small business financing. He has appeared frequently on Fox Business News, NPR and other numerous media outlets. He is sourced by all print media. He is a frequent speaker about small business lending throughout the US and EU. Bob has a BA in Medieval History from the University of California Santa Barbara and a MBA in Real Estate Finance from the University of Southern California.
Bob has earned numerous awards as a producer of events and video training.
His passion is getting capital to Main Street and Rural American small business.
Bob’s SBA lending roots trace back to institutions in Southern California, serving as Sr. Vice President and SBA Manager of a community bank and a Chief Operations Officer of a SBLC. He is a founding director of NAGGL.
What others have said about Bob’s instruction:
“Thank you, Mr. Bob Coleman! I really enjoyed taking your course. The skills I learned and the informative lectures were absolutely amazing.”
Ruben Cardona
Loan Officer
First National Bank of Bastrop County
“Coleman’s SBA 7(a) Loan Underwriter course was a great investment! Bob’s thorough presentation of SBA’s requirements for underwriting and processing 7(a) loan applications, together with the real life case studies, increased my confidence that I can do SBA 7(a) lending right! It was a very beneficial ten weeks!”
Gary Throckmorton
Sr. Executive Vice President
Community Ventures, Lexington, KY
“I really enjoyed the training and learned a lot about the SBA program and underwriting. This was very helpful.”
Laura Proulx
Vice President, Credit Manager
The Provident Bank, Amesbury, MA
What you get from our training:
Comprehensive and Updated Training: Our program covers all the essential aspects of SBA 7(a) loan underwriting, following the SOP 50 10 7.1 and SBA 50 57 3.1 guidelines.
Professional Certification: Upon successful completion of the training, you will receive a professional certification, validating your expertise in SBA 7(a) loan underwriting.
This certification can enhance your professional reputation and open doors to new career opportunities.
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Benefits for Loan Underwriters and Lending Professionals:
- Improved Skills and Efficiency: By participating in our training program, you will enhance your knowledge and skills in SBA 7(a) loan underwriting. This will enable you to perform your duties more effectively and efficiently, leading to improved loan underwriting processes and increased customer satisfaction.
- Career Advancement Opportunities: With the professional certification you earn through our training, you can set yourself apart from your peers and increase your chances of career advancement. Employers recognize and value employees with specialized training, and this certification can open doors to new job opportunities and higher-level roles.
- Increased Confidence: Our comprehensive training program gives you the knowledge and tools you need to confidently handle SBA 7(a) loan underwriting tasks. As you gain expertise, you will feel more confident in your abilities, allowing you to tackle complex loan underwritings with ease.
- Network Expansion: By enrolling in Coleman Training, you join a community of over 400 SBA 7(a) Loan Underwriter professionals. This opens up opportunities for networking, collaboration, and knowledge-sharing with like-minded professionals in your industry.
- Positive Impact on Loan Underwriting Process: Ultimately, our training program aims to positively impact the loan underwriting process. By equipping you with the necessary skills and expertise, we empower you to provide top-notch service to your clients and ensure a smooth and efficient loan underwriting experience.