Series 5: Loan Structure and Documentation Considerations


Topics in how to assess various borrowing structures, identify issues involving owner occupied lending, determine loan documentation, as well as due diligence considerations and how to identify key components of CRE Loan structure.

Courses include:

  • CRE-LDP 5.1 – Borrowing Structures and Owner-Occupied Properties
  • CRE-LDP 5.2 – Documentation, Due Diligence, and Loan Structure

Audience: Commercial lenders and credit analysts who are not real estate specialists but who need to know more about assessing real estate risk.

Learning Objectives:

  • Identify the strategic advantages and disadvantages of various forms of business ownership
  • Identify the primary tax returns used for each borrowing entity and the sections that provide valuable financial information for loan underwriting
  • Identify the ways cash moves among business entities
  • Identify the decision-making process for an owner-occupant when either purchasing or leasing a building
  • Identify repayment sources, their hierarchy, and their co-dependence for owner-occupied loans
  • Determine how to structure owner-occupant loans to address unique attributes such as holding company structure, property condition, and valuation issues
  • Identify key elements in the SBA 504 program to finance owner-occupied real estate
  • Identify the key instruments necessary to document a loan transaction and perfect a lien on collateral
  • Identify organizational documents required for various entity forms and execution requirements
  • Recognize key elements of due diligence to be submitted and reviewed prior to closing
  • Evaluate and interpret the findings of a title policy
  • Identify key components of CRE loan structure
  • Demonstrate the use of loan covenants and other techniques to protect property cash flow and property value
  • Identify how permanent market pricing and loan structure differs from and influences the traditional bank market

Related Training: The Commercial Real Estate Lending Decision Process

ABA Certifications: 4.0 CLBB

The New York Bankers Association is a Local ABA Training Provider.

NYBA Professional Development at (212) 297-1679 or
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Member $125
Non-Member $250

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To license this course for multiple learners, contact NYBA Professional Development.