Notice: This curriculum is unavailable until further notice while Risk Management Association (RMA) implements content modifications. Please check back periodically for updates.
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.
Produced by the Risk Management AssociationCRE-LDP 5.1 – Borrowing Structures and Owner-Occupied PropertiesCRE-LDP 5.2 – Documentation, Due Diligence, and Loan Structure
*Only available as a series
What You’ll LearnIdentify the strategic advantages and disadvantages of various forms of business ownershipIdentify the primary tax returns used for each borrowing entity and the sections that provide valuable financial information for loan underwritingIdentify the ways cash moves among business entitiesIdentify the decision-making process for an owner-occupant when either purchasing or leasing a buildingIdentify repayment sources, their hierarchy, and their co-dependence for owner-occupied loansDetermine how to structure owner-occupant loans to address unique attributes such as holding company structure, property condition, and valuation issuesIdentify key elements in the SBA 504 program to finance owner-occupied real estateIdentify the key instruments necessary to document a loan transaction and perfect a lien on collateralIdentify organizational documents required for various entity forms and execution requirementsRecognize key elements of due diligence to be submitted and reviewed prior to closingEvaluate and interpret the findings of a title policyIdentify key components of CRE loan structureDemonstrate the use of loan covenants and other techniques to protect property cash flow and property valueIdentify how permanent market pricing and loan structure differs from and influences the traditional bank market
After completing this series, students will be able to: