Make the Best of Government Guaranteed Lending: Credit Enhancement - Opportunities

Why Should You Attend:

This webinar will provide useful information for small business lenders considering participation in the one of the several loan programs offered by the U.S. Small Business Administration and USDA. The course will explain the broad guidelines of borrower eligibility, along with a discussion about the general limitations of company size and loan use. It will illustrate to lenders how these strategic partnerships can add new dimensions to a lender’s current product offering, and provide a prudent opening to servicing unique market opportunities that may otherwise be restricted due to structure, regulatory or portfolio concerns.

Learning Objectives:

• Understand the general program parameters so far as loan limits, deal structure, client size and use of proceeds restrictions for the four major programs
• Identify participation requirements and the lender’s underwriting and documentation responsibilities
• Get a description of some secondary market opportunities for guaranteed loans and recognize how to generate non-interest revenues through loan sales

Areas Covered in the Webinar:

• A brief overview of the SBA’s 7(a) loan guarantee program, the express loan program, and the 504/CDC loan program, as well as the USDA’s Business and Industry Loan program
• An explanation of loan guarantee program benefits, credit enhancement and participation requirements
• A discussion about the levels of participation and how lenders might qualify for delegated authority, depending on SBA lending experience and results
• Description of overall program eligibility for borrowers, size limitations and use of proceeds limitations of these programs

Who Will Benefit:

• Loan officers
• BDOs
• Relationship managers
• Credit analysts
• Loan underwriters
• Loan processors
• Chief credit officers (CCOs)
• Senior loan officers (SLOs)
• Loan committee members and other direct lending staff

Charles H Green
Charles Green and Company, Principal

Charles Green is a seasoned commercial lender with more than 35 years’ focus on funding the small business sector. He founded and served as president/CEO of Sunrise Bank of Atlanta, and in addition has served as a director for several companies, including Chair of Atlanta Medical Center.

His previous teaching experience includes the Stonier Graduate School of Banking, Graduate School of Banking at Wisconsin, Graduate Commercial Lending School, as well as online programs for several private enterprises.

He has written extensively about business financing, including the Banker’s Guide to New Small Business Finance (John Wiley & Sons, 2014), Get Financing Now (McGraw-Hill, 2012) and the bestselling The SBA Loan Book, 3rd Edition (Adams Media, 2011). Mr. Green earned a B.S. in Finance from the University of Alabama, diploma from the Stonier Graduate School of Banking, and completed Executive Education at Harvard Business School.

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