All enrollments will be accepted by the Risk Management Association, Philadelphia, PA. Please see below each class description or call 1-800-677-7621 for enrollment forms or receive a discount and enroll through RMA's National web site at www.rmahq.org. Your confirmation will include location of classes.

Overview:
RMA Lending Academy I provides training in basic core skills for commercial lending and credit. It should be used as a springboard to RMA's core credit risk curriculum. This introduction to commercial lending and credit will help participants better understand what their customers need in order to run a strong business and what the bank needs in order to make sound lending decisions.

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Overview:
This course is aimed at real estate lenders who may encounter problem loans in their portfolios. It focuses on the underlying business drivers for commercial real estate, the reasons for problem loans in real estate, and common factors leading to problem loans. It provides participants with an analytical framework and outlines various options for dealing with problem real estate credits, including the advantages and disadvantages of workouts, various workout strategies, and deed-in-lieu and foreclosure considerations.

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Overview:
Detecting Problem Loans is designed to sharpen the ability of participants to recognize potential problem loans early, to analyze credit and operational risks, and to work with problem credits. Case studies provide an opportunity for participants to apply what they have learned throughout the course.

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Overview:
Problem Loan Workouts is designed to sharpen the ability of participants to develop and implement successful workout programs. Case studies provide an opportunity for participants to apply what they have learned throughout the course.

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Overview:
Analyzing Business Tax Returns teaches the participant how to understand tax concepts related to various business entities and how to use tax returns to help estimate the customer's ability to service debt. This basic course presents several aspects of analyzing tax returns, including estimating cash flow from tax returns and determining how taxesinfluence cash flow and the customer's operations. The course addresses all types of business entities - C-corp, S-corp, LLP, and LLC - using various scenarios.

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Overview:
The objective of this course is to use tax returns and personal financial statements to determine a customer's ability to repay a loan through cash flow. Cases include a discussion of individuals, partnerships, proprietorships, and small businesses.

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Overview:
Understanding and Interpreting Real Estate Appraisals concentrates on a commercial real estate case study. In addition to the course manual, participants also receive a complete copy of the USPAP guidelines.

This course focuses on those aspects of the appraisal that are key to helping bankers make a lending decision. Appraisal reports are not the sole determinant of whether to make a loan, but they do help bankers evaluate the value of the collateral that might be taken. Therefore, it is important for bankers to understand the content of appraisal reports and the way reports are created. With this knowledge, bankers will be able to make better decisions about the worth of potential or existing collateral.

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Overview:
Global Cash Flow will enhance a lender or analyst's ability to estimate the probability of loan repayment from a small to medium sized business entity as borrower and the owners and/or guarantors, or vice versa.

This one-day course will teach participants how to make a comprehensive loan decision by combining the information in personal cash flow statements with business income (cash flow available for debt service of the closely held business) and personal debt service combined with business debt service.

This will involve an understanding of the components that comprise a global cash flow (GCF), determining the resources that are needed to construct a global cash flow, understanding income versus cash flow (including balance sheet changes), and the interdependence of the entities

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