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Commercial Lending

Transcript: EC This is different than a term sheet Ellen Birsner Your Portfolio Manager will talk with their team leader to discuss the viability of the deal. We will briefly look at the financials provided and see if it makes sense for the bank. If it does make sense, we will issue a term sheet to the customer Ridgewood After the reports are in & we have the final loan docs, we set a date to close the loan. Commercial Lending Grant Chin Personal Financial Statement Last 2 years Business Tax Returns Last 2 years personal Tax Returns Lemoine This allows you to open up a discussion about the overall banking relationship. How will they pay us Back? If the customer accepts & signs the term sheet, the underwriting process will begin After Approval, we issue the Customer a Commitment Letter Hackensack After underwriting is complete, we send the loan off for approval. Once we receive a signed commitment letter, we begin to order all 3rd party reports. Pal Ave Holmdel A term sheet is a brief outline of the deal. It includes rate, term, structure and conditions Chris Licata NJCB Rocks! Call or email your Portfolio Manager to explain the request you received. 1. A Customer has a discussion with you or your staff inquiring about a business loan. We'd love for your CSRs to have the initial conversation with the customer regarding their needs & loan request WNY During underwriting, a deep analysis of the company is performed, including the most important question.... Cresskill Please let the customer know the documents that are required. Best Bank Ever!

Commercial Lending

Transcript: By: Samyuktha Ravi Commercial Lender Wharton School of Business at UPenn Salary Bedminister, Nj The End! 2. Peapack-Gladstone Bank: Is a commercial bank that provides innovative private banking services to businesses, non-profits and consumers that help them to establish, maintain and expand their legacy. They offer commercial banking services, personal banking services and private banking services. Their commercial loans range from $10,000 to $12 million. A commercial lender earns around $50,500 to $80,000 per year. This salary range only accounts for commercial lenders with zero to three years of experience. After three to five years on the job, however, commercial lenders are offered 65,750 to $103,250 per year. After five or more years of experience, they can expect to earn $86,000 to $120,750 per annum. On top of experience, education directly affects salaries. Commercial lenders with master’s degrees in finance, business or economics earn more than their colleagues with bachelor’s degrees. It is estimated that lenders with post-secondary degrees earn 5 percent to 10 percent more than average. The form of compensation varies widely by employer. Some loan officers are paid a flat salary; others are paid on commission. Those on commission usually are paid a base salary plus a commission for the loans they originate. Loan officers also may receive extra commission or bonuses based on the number of loans they originate or how well the loans do. Commercial Lenders in NJ Training: Employers provide on the job training. This may be a combination of formal, company-sponsored training and informal training during the first few months on the job. Those who use underwriting software often take classes to learn the company’s software programs. Advancement opportunities: Capable loan officers may advance to larger branches of the firm or to managerial positions. while less capable workers—and those having weak academic preparation—could be assigned to smaller branches and might find promotion difficult without obtaining training to upgrade their skills. Advancement beyond a loan officer position usually includes supervising other loan officers and clerical staff. “We turn Knowledge into Action” --The administrators look at: High school academic performance ,Standardized testing, Recommendations, Non-scholastic achievements, Leadership, Personal maturity. --The undergraduate admissions committee looks for individuals who will be future leaders. There are no fixed criteria and no cut-offs in terms of grades or test scores Cost of a degree: around $59,736 per year. (varies depending on the programs and courses you are taking) Time frame for UG: 4 years Business Alumni: Warren Buffet (Berkshire Hathaway; dropout), Donald Trump (Trump organization), John Scully (Apple and Pepsi), Anil Ambani (Reliance Group), Leonard Lauder (Estée Lauder), Peter Lynch (Fidelity) They offer too many degrees, including BS, PHD, MBA,BS/BA, BS/BSE/BAC,MPA,ID,MPP. Mainly- Bachelor of Science in Economics. They offer internships with your course of study and the salary varies but on an average, it is $8000. Minimal qualifications/Education: a bachelor’s degree in business/finance or something related to that-sufficient to enter the field. Work experience in a related field is not a requirement for this occupation. Because commercial loan officers analyze the finances of businesses applying for credit, they need to understand general business accounting, including how to read financial statements. Some loan officers may be able to enter the occupation without a bachelor’s degree if they have related work experience, such as in sales, customer service, or banking. Federal law requires that all loan officers obtain state licensing. The licensing requirements include attending a 20-hour course, passing an exam, passing a background check and not having any felony convictions. Commercial Lenders: are financial institutions that offer loans backed by hard collateral to commercial enterprises. It’s often up to the commercial lender, a.k.a Commercial Loan Officer whether a business is considered a good candidate for a loan. loan officers use a process called underwriting to assess whether applicants qualify for loans. After collecting and verifying all the required financial documents, the loan officer evaluates this information to determine the applicant’s loan needs and ability to pay back the loan. Some firms underwrite loans manually, calculating the applicant’s financial status by following a certain formula or set of guidelines. Other firms use underwriting software, which analyzes applications almost instantly. More often, firms use underwriting software to produce a recommendation, while relying on loan officers to consider any additional information to make a final decision. Commercial Lenders Requirements Commercial Loan officers generally: --Contact companies or people to ask if they need a loan --Meet with loan applicants to gather

Commercial Lender

Transcript: Responsibilities as a Commercial Lender Commercial lenders are used specifically for loans to businesses All companies have complex financial situations, which requires human judgement from a commercial loan officer Some loans for companies are too large for a single bank, so a commercial lender will have to work with multiple banks in order to provide a package of loans By:Ryan Brennan University of Michigan has a solid undergraduate business program A major that would be beneficial for a commercial lender would be finance or business University of Michigan is ranked number 4 in the country for business and number 3 for finance A bachelor's degree would take 4 years to earn The cost for tuition and room and board is $43,377 a year One famous alumni from University of Michigan is Richard Costolo, who is the CEO of twitter Available job continued Salaries range from $32,000 to $120,000 The average salary is around $60,000 There is a project growth in employment as a commercial lender of 8 percent Advancement beyond being a commercial lender is supervising other commercial lenders A bachelor's degree in either business or finance is the minimum requirement to become a commercial lender Commercial lenders must also understand general business accounting Once hired, commercial lenders receive on-the-job training Available Job as a Commercial Lender Commercial Lender as a Career One company that has an open position as a commercial lender is Capital Bank The description of this job is that this person "Examines, analyzes, evaluates, and authorizes or recommends approval/denial of customer applications for commercial loans. Monitors and maintains existing commercial loan portfolio. Provides customer service to commercial Bank clients." Capital Bank is a large company that was founded in 1998 Capital Bank provides a range of commercial banking services which make up about half of the bank's loan portfolio (total of all loans held by the bank) What is a Commercial Lender? It is required to have a bachelor's degree as well as 3-5 years commercial lending experience College to Attend Commercial Lender Contact companies to ask if they need a loan Meet with the companies to gather information Explain different types of loans Obtain and verify financial information about the company Approving the loan application

Commercial Lending 101

Transcript: Securing Capital Meeting our client's capital needs! the first step is to become familiar with the different types of products available that a business could use to secure capital. Equipment Leasing One you are familiar with each type of product, all you really need to know is "how much capital do you need? Accounts Receivables Financing (A/R) The selling of a companys accounts receivable, at a discount, to a factor, who then assumes the risk of the account debtors and receives cash as the debtors settle their accounts. You can finance companies that are.... ..in bankruptcy. ..losing money accounts receivable financing is based on the credit of the CLIENT'S CUSTOMERS....not the clients PO financing Purchase Order financing (PO Funding) is a short term commercial finance option that provides capital ot pay suppliers upfront so a company doesn't have to deplete cash reserves. PO financing is designed for growing businesses with ittle access to working capital and/or poor cash flow. They type of business that qualifies is usually a producer, distributor, wholesaler or reseller of manufactured products Working Capital funds that are used for labor, equipment, inventory, payroll - Sale Leaseback where a lender will purchase a client's equiptment (cash to client), and then lease the equipment back to the client. Merchant Card we have lenders who will advance a client over 130% of their monthlyaverage Visa/MC/Discover receipts Line of Credit Clients can get secured and unsecured lines of credit based on their A/R or Merchant Card receipts Stock Loans clients can get up to 85% of the value of their stock portfolio - without selling the stock. They are only using it as collateral. Annuity Settlements an opportunity for clients to monetize their annuity or lottery payments SBA programs for small businesses that are partially guaranteed by the small business admininstration (SBA) there are 2 main types of SBA loans: 7a | 504. they each have their own pros/cons Repossessed Equipment we have access to trucks/equipment that has been respossesed by various banks. We can sell/lease the equipment to the client. Hard Money Loan a loan where a borrower receives funds secured by the value of a parcel of real estate. MultiFamily Apartment buildings, student housing Franchise Financing subways, quiznos. CiCi's pizza, purchasing or leasing the property Medical Financing working capital, AR financing, equipment leasing - there are lenders who specialize in this type of financing only for businesses in the medical industryp START UPS SBA loans are good for start ups, however depending on the other assets the company may have (PO, contract, proprietary info/technology, experience) there may be other financing options. Commercial Construction

Aurelian Commercial Lending

Transcript: NO Minimum Liquidity Secured Capital requires a collateral and liens are placed on properties. Unrestricted Use of Funds Purchase equipment, supplies, marketing, and other essentials 5. Fee is based on amount of funding obtained Relationship established for your business with multiple banks Loan We help clients grow their business or Real Estate Portfolio NO Liens on Property Breakdown NO Collateral How Much Will it Cost? NO Tax Returns "Aurelian believes it is the individual that is most important part of small business lending." $50,000-$150,000 Per Individual What the Program is: 4. Fee can be paid as quickly or as slowly as you determine with only a minimum monthly payment Why you want Unsecured Capital Always the most competitive rates Business Owner Pay employees No fees to set up Lines of Credit are charged unless we are successful with your funding process The company is dedicated to the concept of giving back. A portion of all proceeds are donated to charity. Credit Partners This program is an alternative funding method that can be used over and over again. Unlike a loan, this program requires: Secured Ownership has 35 years experience in building businesses and raising capital. Developed special program to provide capital for start up companies, seasoned businesses, and small real estate investors. 1. No application fee Lines of credit will grow over time Meet the CEO John Syron Aurelian A credit partner can be family members, friends, investors, business partners, associates etc. Clients become some of the most successful companies in their field. Layout We help clients protect assets Differences Between Unsecured Lines of Credit and Secured Lines of Credit Unsecured capital requires no collateral and no liens are placed on properties. What Aurelian Does for our Clients Long History of Dealing with Small, Medium, and Large Banks, Lending Institutions, and Private Lenders No Late or few Payments for the past 2 years Not over Utilized on Credit Card Debt (Optimum below 20% at time of application) 8-10 Year History minimum 3. No out of pocket expense - Entire fee is charged to Line of Credit after funding is completed 720+ FICO Score No Bankruptcies No Foreclosures No Judgements No Unpaid Collections Relationships with over 500 banks and private lenders 35 Year History in Business Clientele Include Partnership with: Ford Motor Company, Mercedes Benz, General Motors, and Nucor Steel Corporation. The following are terms and condition's of your engagement of Aurelian's service: About Aurelian Aurelian Unsecured Lines of Business Credit solve this problem. Underwriting is based upon individual, NOT past business performance. #1 rated business consulting firm Ideal Credit Profile Financier Increase Available Cash Purchase property, rehab property C o m m e r c i a l L e n d i n g Aurelian Unsecured Line of Credit can be used for any business purpose Lines of credit from multiple banks A U R E L I A N Focused Entire Firm on Providing Capital for Small Business Engineer Used over and over again No set payoff date Lower Payments (interest only) No effect on personal credit - Reports only to business No liens on property Can be used for anything Can be used for Operating Cost (payroll, advertising, maintenance, etc) You only pay interest on the money you use 100% Success based firm - No fee unless funding is achieved How does this program work? Breakdown We help clients become financialy independent No collateral required Permanent Always revolving - will NOT be turned ino term loan Financials NOT required. What you get Manage cash flow People who are serious about growing their Business or Real Estate Portfolio Used one time then terminated Carved in stone payoff date High payments (Interest + Principle) Loans report to Personal Credit Lien always placed on property Can only be used for stated purpose Must be used for hard (collateralized) items You pay interest on entire amount of the loan Don't wait! See if you qualify to become an Aurelian Client today! Purchase a business Does not look at what business has done, but what a business COULD do if properly funded. SBA reports that 75% of all new business fail because of lack of capital - Don't let that be you! There is NO limit to the numer of credit partners an individual can bring. Providing fortune 500 level advice / banking relationships to small business and Real Estate Investors AURELIAN Unsecured Funding Program Business Line of Credit We help clients become more profitable Business Line of Credit vs. Loan Unsecured Aurelian Clients boast the highest success rates in their industries Looks for people who have taken care of their personal history (paid bills on time etc...) Collateral required Reviewed ever 18 - 24 months Could be turned in term loan if debt ratios increase. 3 years financials Plus: Positive cash flow Positive global cash flow Positive tax returns "Working for American Small Businesses and Real Estate Investors" We help clients obtain

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