The MBL Boot Camp is built around understanding the business model structure. The series starts by ensuring students are structurally familiar with all of the financial statements they will utilize to complete the financial analysis of a business.
Once students have a firm grasp of financial statement structure, they progress to the business financial analysis process. This integrated process is designed to intimately measure financial performance of the business.
As students learn how to execute their analysis, a wide range of case studies are introduced. The studies provide opportunities to practice execution of the analytical process against a broad range of industry sectors. Exercises help students see how the process applies to different types of business models. Throughout these exercises, students are asked to present and defend their analysis process and conclusions. By the end of the series, students should be able to explain the results of their analysis in easy to understand terminology and to explain why they did the analysis the way they did.
To help test the grasp of processes involved, facilitators constantly tweak things up in the classroom setting, forcing students to think on their feet and build confidence in their grasp of the process. Students will be like a pilot learning to fly in a simulator. They can defend their positions knowing that they can’t make a credit decision mistake for their CU in the process.
Nobody can hide in these classroom settings. The facilitators require everyone to get involved. Sometimes students will complete exercises on their own and other times they will be working in team. Throughout the exercises, students have opportunities to explain their actions to practice their writing and speaking skills.
Once students learn how to confidently execute a comprehensive historical financial analysis on a business, curriculum progresses to a discussion of how to build business financial projections. Students learn how to properly project forward the structure of Income Statements, Balance Sheets and Statements of Cash Flow. They also learn how to link these financial statements together and critique the structural assumptions associated with performance forecasts.
Students learn how to analyze past performance and link it to realistic projections of future performance. Since historical performance is not going to pay the lender back, understanding how to link the business borrower’s past performance to their current/present fiscal condition and then on to a realistic projection of future anticipated performance is critical. As students learn these skills, discussions focus on managing business growth in a fashion that is bankable. Students also learn how to stress test structure to determine how much actual performance can deviate from planned performance before repayment capability is compromised.
Next, the curriculum focuses on business financial analysis in a credit context. In this portion of the series, students learn how to write effective business loan credit memorandums. They link debt service coverage logic to primary, secondary and tertiary repayment options. Clearly understanding what constitutes debt service coverage and being capable of explaining it clearly are key learning objectives of the curriculum.
From here, curriculum addresses the credit administration process. Once business loans are reviewed and approved, they must be boarded onto the core processing system and tracked going forward. The curriculum covers how the credit administration process should be organized for business loans. Students discuss the use of a risk rating system and how annual reviews of existing credits are supposed to be executed. The students are also exposed to problem loan management issues and techniques.
Throughout the program, students are asked to take quizzes and complete closed book tests. These exercises are not designed to be punitive. They are designed to test knowledge retention and the student’s grasp of the analytical tools they should be learning to utilize. The objective is to build confidence in the students, constantly moving them forward toward subject matter expert status.
This School is demanding by design. Students enrolled in this program are expected to work hard. The instructors will constantly challenge them to study and improve both their knowledge and skills. If they put in the time and make the effort, it will have a profound measurable impact on their business banking skills.
What You Will Learn
What You Can Expect
Who Should Attend?
Credit union MBL professionals seeking to:
If you don’t improve your skills, we’ll refund your money!
Texas Credit Union League 4455 LBJ Freeway, 10th Floor Farmers Branch, TX 75244 800-442-5762, ext. 6630 Click here for lodging information.
Business Casual – recommend dressing in layers for maximum comfort.
Hipereon, Inc. has been developing and facilitating commercial lender training programs for over 30 years, and has some of the most interactive and dynamic CLS in the financial industry today. Hipereon, Inc. is a national financial consulting and training firm specializing in providing services to financial institutions to support their commercial business credit underwriting and credit administration functions. Hipereon also provides a range of financial consulting and training services to businesses throughout the country, specializing in business credit analysis and business management training.
Upon completion of this program, Hipereon, Inc. will certify that the individual student has successfully demonstrated the skill sets to underwrite commercial loan transactions. Certification will be provided to any student completing a minimum of seventy-five percent (75%) of the entire curriculum and scoring eighty percent (80%) or higher on each course/exercise test within the entire curriculum or scored eighty percent (80%) or above on the final written comprehensive exam.
Note: Registration is now closed.
Full Series Registration Per Person: $6,075
Registration fee includes 5 weeks of instruction, resource materials, all exams, certification, continental breakfasts, lunches, and beverage breaks. Attendees are responsible for hotel reservation, transportation to/from the Texas Credit Union League, evening meals and any other incidentals.
Substitutions from the same credit union are permitted only after the first session, and only after pre-testing of the substituted student's knowledge of the related material in session one with a score of eighty percent (80%) or higher.
Registration Cancellation Policy:
Any registrant may cancel by delivering a written notice received by TCUL no later than thirty days or more prior to the first session (March 8). A full refund less a $500 cancellation fee payable to TCUL will be made. Cancellation notices received thereafter shall be subject to the following schedule:
Notice of cancellation receive less than 30 days prior to the first session (after March 8) will result in a full refund, less $750 to HI and $750 to TCUL to cover costs of registration and materials.
Cancellations after the first session will result in refund of 50% of amounts paid
Cancellations after the second session will result in forfeiture of all amounts paid.
Boot Camp Cancellation Policy
The series subject to cancellation if there are less than 15 registrants as of March 1. In the event of cancellation, all registrants will be notified and receive full refunds.
Questions? Call (800) 442-5762, ext. 6634 or (469) 385-6634 or email Janine McBee at jmcbee@tcul.coop.
If you have physical, medical, or dietary needs requiring special attention, please contact Training & Events for proper arrangements to be made. For more information regarding administrative policies, such as complaint or refund, please contact TCUL at (800) 442-5762, ext. 6630.
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