2021 Credit Analysis - August 10th 
Program Agenda
Registration - 8:30 a.m.
Program starts - 9:00 a.m.
Lunch - 12:00 - 1:00 p.m.
Program continues - 1:00 p.m.
Adjourn - 4:00 p.m.

Register by Individual Here
Register by Bank Here
The program will provide bankers information on making lending decisions based on the fi ve (5) C’s of credit – capacity, capital, collateral, conditions, and character! These 3 areas will be covered: consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life case studies.
Participants will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.
Program Highlights:
• Gain an understanding of how banks make lending decisions based on the five (5) C’s of credit
• Learn about the three (3) main areas of bank lending
• Apply the three areas of individual case studies
• Review the basics of loan structure, loan support, documentation, and loan compliance
Who Should Attend
Credit analysts, loan assistants, consumer loan officers, residential loan officers, relationship managers, loan documentation specialists, branch managers, private bankers, and business development officers.
The Speaker - David Osburn
Mr. Osburn is the founder of Osburn & Associates, LLC. He has an extensive background of over 30 years which encompasses 12 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. David’s banking credentials include loan underwriting, loan “work-out”, management, and business development.

Member: $265
Non-Member - $400
*Fee includes one day of instruction, refreshments, lunch and handout material.
*We understand circumstances arise requiring cancellation - if you cancel up to 3 business days before the program, your registration fee will be refunded.
*If you have special dietary needs, please contact the KBA offi ce.
*If you have a disability, and request special accomodations, please contact the KBA office.
*Registration for and attendance at KBA meetings and events constitutes an agreement by the registrant for KBA’s use of the attendee’s photograph in printed and/or digital promotional materials, publications, mobile app and social media, unless permission is revoked and received by the KBA prior to the event.