The U.S. Small Business Administration provided almost $20 billion of credit enhancements to privately-held banks and non-bank lenders in 2012, representing almost $2 billion of potential first-year fee income to these participating lenders.
Learn how this and other government-backed business loan programs can provide enhanced earnings, ROE improvement, portfolio flexibility and liquidity, and even ALCO options for your bank.
This training session provides tips on how these programs have evolved to be easier and more efficient to access and manage; it also includes an overview into the SBA's 7(a), 504/CDC and Express Loan programs, as well as USDA's B&I program and Ex-Im Bank financing options.
By attending this training session, you will learn:
- The potential profits that can be generated by participating in guaranteed lending
- How credit enhancements lighten regulatory burdens and automatically increase compliance
- Potentially double-digit gains to significantly boost bank ROE through creating a guaranteed loan portfolio
- How guaranteed loans can be an ALCO tool to help balance long term liquidity and rate exposure
- Different programs that can answer varying client demands with appropriate lending products
- How to balance government credit enhancement options with other supervisory and regulatory efforts
- What not to expect from doing business with the government
- Definitive views of an experienced veteran banker with more than $300 million of direct participation in guaranteed lending
About Your Speaker
Charles Green is a seasoned finance professional with more than 30 years' experience of advising, financing, and investing in the small business sector, including his tenure as the President/CEO of Sunrise Bank of Atlanta.
Charles authored several books about business financing including bestselling The SBA Loan Book 3rd Edition and Get Financing Now. He earned a B.S. in Finance from the University of Alabama, and trained at the Stonier National Graduate School of Banking and Executive Education at Harvard Business School.
Charles also has served as a corporate director for several domestic and international companies, and presently serves as Board Chair of Atlanta Medical Center, a 760-bed for-profit hospital owned by Tenet Healthcare Corporation.