SBA Lender Training

Seasoned SBA lenders know you can't get enough continuing education to stay sharp on the latest and greatest in our industry. But time and resources limit what we can do so we have to be very discerning about how we access training. There is only so much time and investment to go around.

We at sbaAccess recognize that adults need some level of input and control over their educational needs. We have studied adult learning and facilitated approaches to learning for adult individuals and groups for many years with great success.

Here is a sampling of some of our core curriculum and we are continually developing new content and stand prepared to customize (pick and choose or develop from scratch) to suit your unique needs. Call us for a free consultation to see if our approach to training matches up to your needs.

Inventory of Training Courses:

Sales and Service Delivery

• How our attitudes and beliefs drive our behavior
• Team dynamics and the power of role clarification
• The essence of consultative selling - find pain and help buyers buy
• How to turn a cold call into a warm call - the 30 second commercial
• Tips for dealing with difficult customers and more

Fundamental SBA Lending - 7(a) and 504

• Fair and impartial comparison and contrasts of the SBA programs
• Address key eligibility and packaging issues
• Critical credit elements to be addressed in the credit analysis
• Learn how to think about business loans the "SBA Way"
• Obtain multiple tools and job aids to facilitate the learning curve

Living with the SOP 50 10 5 (A) - 7(a) Loan Program

• PLP vs. non-PLP Lending approaches
• Address key eligibility and documentation issues
• Critical credit elements to be addressed in the credit analysis
• Obtain multiple tools and job aids to facilitate the learning curve

Policy and Procedure Implementation

• Customized help for your team to implement new approaches
• Focus on role clarification and smooth handoffs
• Delineation by product, process and specific role - detailed and clear

Credit Underwriting - the SBA Way

• Understanding basic commercial underwriting
• Leading with the SBA Form 4-I requirements on the lender's analysis
• SBA approach to working capital analysis
• Key Credit Issues - repayment ability, pro-forma balance sheet and ratio analysis, equity injection, collateral coverage, management adequacy

SBA Loan Closing Documentation Requirements

• Using the SBA Loan Authorization as a powerful closing tool
• Preparing closing documentation to meet SBA requirements
• Coordinating the process: using outside attorneys or using internal closers
• Knowing how to fund the SBA loan properly - Protect the Guaranty

SBA Intensive Servicing, Workouts, and Guaranty Purchase

• Unpack the mysteries of the SOP 5050 (servicing) and 5051 (liquidation and guaranty purchase) processes
• Focus on practical, real life examples of what can go wrong and how to deal with it
• Learn new and effective approaches to packaging an Express, 7(a) loan in the "10 Tab" process
• Address pluses and minuses of the various programs from a workout and wrap up perspective

Different Approaches to Training:

Classroom (private) Training

• We come to you
• We customize the training to your needs
• We design "interactive", hands on approaches to learning
• We provide materials to supplement the presentation
• We mix approaches (not just a power point....think FUN)

Webcast (remote) Training

• Access by telephone and computer
• Break the training into "mini" presentations, to spread out over a period of time (to accommodate the real world work place)
  • Think 2 hour segments each day for several days (not a full day on the phone)
• Topic Focused (rather than talk about the entire closing documentation requirements - let's just focus on the loan authorization, for example)

Public Training Events

• Invite us to a local lender event
  • Conferences, luncheons, roundtables, focus groups
• Our keynote presentations are motivational, upbeat....but informative
• Break out session topics should be timely and succinct (and interesting....not the same old message). Try us out to generate enthusiasm among your attendees

One on One Coaching

• You only have one or a couple of staff members, so it doesn't make sense to have a classroom training
• We will design an "online" course (think correspondence learning) to address their learning requirements
• AND, we will be available by phone, chat room and/or email to answer follow up questions and "coach" them through the topic

Job Aides

• Most student only retain 25% (or less) of what they learn in a classroom setting UNLESS they have something to "tie" them to the topic after the class is over
• We supply guides, "cheat sheets", flow charts, templates (and much more) in our inventory of resources
• Purchase them separately, or have us build them into the training we design for your team