Commercial Loan Documentation

Commercial Loan Documentation

Wednesday, February 22, 2017
PACB Headquarters
2405 N. Front Street, Harrisburg, PA 17110


To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


8:30am: Registration/Continental Breakfast
9:00am: Seminar
10:40am: Break
10:50am: Seminar Continues
12:00pm: Luncheon
1:00pm: Seminar Continues
3:00pm: Adjournment


Loan Documentation for commercial loans is a critical component in lending. After the decision to make a loan has been made, the next step is the documentation and closing process. This part of the lending process is essential in order to avoid loan losses due to poor documentation. Many community banks assign this important responsibility to Loan Officers and Loan Administrators. If not performed properly, poor documentation can cause loans to be adversely classified even if the underlying credit is sound or if the loan is performing as agreed.

The purpose of this one-day workshop is to provide participants with a good understanding of the Commercial Loan Documentation process from approval to closing. Participants will be exposed to the five steps in the loan documentation process:

  1. Identifying the Borrower
  2. Identifying and Documenting the Collateral
  3. Evidencing the Debt
  4. Attaching the Collateral
  5. Perfecting the Security Interest


After completing this course the participant will:

  • Recognize the documents required to complete the five steps in the documentation process
  • Have a good working knowledge of the purpose of each document
  • Be able to provide a broad overview of the loan documents’ provisions
  • Know the rules of attaching collateral
  • Know the rules of perfecting the security interest


Jeffery W. Johnson – Senior Consultant, Bankers Insight Group
Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).

Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.

Mr. Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta, GA; an MBA in Finance from John Carroll University in University Heights, Ohio; Banking Diploma from Prochnow School of Banking at the University of Wisconsin-Madison and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.


This workshop is designed for Loan Officers, Loan Operations Staff, Loan Administrators and anyone else involved in the lending process, including, but not limited to, Commercial Loan Officers, Loan Operations Personnel, Consumer Loan Officers, Loan Documentation Personnel, Branch Managers, Administrative Asst. to Loan & Credit Officers, Auditors, Loan Review Personnel, and Credit Analysts.


Attendees are eligible for up to 5 hours of CPE. PACB is approved by the State Board of Accountancy to provide continuing education. All in attendance may receive a certificate of completion upon request.


The PACB has a preferred rate at the Radisson Harrisburg Hotel, 1150 Camp Hill Bypass, Camp Hill, PA 17011. Please call 717-763-7117 and mention the PA Association of Community bankers when making your reservation. (Space available basis only.)