SBA 7(a) Credit Memos Over $350K: What the SOP Requires and How It’s Applied — 5/14
A Coleman Training Webinar
Date: Thursday, May 14, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
.
SBA 7(a) credit memos over $350,000 require coordination across repayment, global cash flow, equity, and collateral, with multiple points of judgment in how each element is structured and presented.
Lenders have established internal approaches to meet these requirements. What varies across institutions is how those approaches are documented, supported, and communicated.
This session is not a checklist review.
It is a working session on how experienced SBA lenders structure and present credit memos in practice.
Michael Bland, Chief Credit Officer with over 30 years of SBA lending experience across multiple SBA lenders, will walk through how credit memos are built and communicated across institutions.
This session focuses on:
• How repayment is structured and presented
• How global cash flow and projections are supported
• How equity injection is documented and sourced
• How collateral positions are presented
• How weaknesses are addressed with compensating factors
• How the credit memo is organized as a complete narrative
If you are approving, underwriting, or reviewing SBA loans over $350,000, this session is a direct comparison of how your current approach holds up in practice.
Your Training Instructors
Michael Bland
Michael Bland is a 30-year SBA veteran. He is the Chief Credit Officer for Phoenix Lender Services, which provide LSP services to Community Bank & Trust – W Georgia, now the 35th largest SBA lender in the country. He was the Chief Credit Officer and Chief Operating Officer for Fountainhead SBF LLC, as well as the interim CEO. Michael served as the Head of SBA Lending for TCF Bank, and prior to that was a credit manager for a number of institutions. Recognized for his credit performance over the years, he has worked at Zions Bank, The Bancorp, Banco Popular, and other national and regional lenders.
Bob Coleman
Bob Coleman is the Author of “Easy Money, Hard Time: 19-COVID PPP Loan Fraud Stories.” He is the founder of Coleman Report, 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 SIPA industry awards including “Podcast of the Year” and as a producer of events and video training. His passion is getting capital to Main Street and Rural American small business.
How the Webinar Works
We use Microsoft Teams as the webinar platform. All Coleman webinars are recorded and a link is sent to all attendees.
Single Site License
The single site license grants your institution one viewing of the webinar. It is permissible to use a single site license on one device in a conference room to be viewed by multiple attendees The webinar can be viewed on any device.
Multiple Site License
A multiple site license is an unlimited access pass for anyone at your institution. You will be given a link that will be usable to anyone with your email domain.
Webinar Links and Handouts
The webinar link will be included when we distribute the presentation and handouts shortly before the webinar.
Participants Earn Certificates of Participation
All Coleman Webinar attendees will receive a certificate of participation. This documents your continuing education history for SBA and your regulators.
Questions
Questions throughout the webinar are strongly encouraged. There are two ways to ask a question. The first is to ask the question via the chat in Microsoft Teams. The second is to send an email to anna@colemanreport.com. Also, feel free to ask pre and post-webinar questions.
The Fine Print
1) Substitutions are allowed at no charge.
2) Cancellations receive a 100% credit for any Coleman product.
3) As with all our products, we offer a 100% money back satisfaction guarantee — no questions asked.
3 Easy Ways to Order
1) ONLINE — Register and pay online via QuickBooks
2) EMAIL –Send an email to cindy@colemanreport.com with “Webinar Registration” in the Subject Line. We will do all the paperwork and either send you a sales receipt or an invoice.
3) PHONE — Call us at 818-790-4591.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com