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DNB Advisory LLC

A Commercial Credit Advisory Firm

Effective and Efficient Annual Reviews (EEAR)

October 23rd, 2019
12pm-2pm
Boston, MA

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Program Description

This seminar continues a series of nationally-recognized programs unique to and developed by DNB Advisory that focus on building high performance commercial lending and credit teams. This course contains must-know information for every commercial credit and lending professional, including credit analysts or underwriters, RMs, and credit and lending team leaders.

A significant part of every commercial credit and lending team’s work revolves around annual reviews. Yet, many commercial lending organizations find that they are consistently past due on annual reviews and renewals due to the lack of capacity as well as inefficient and inconsistent review processes. Credit teams face a number of challenges such as the inability to increase production and volume throughput, to focus annual reviews on what’s truly relevant, and to reduce the cost of annual reviews. There are numerous options on how to structure your annual reviews process and how to right-staff your team. In the meantime, inefficiencies result in hundreds of thousands of dollars lost annually, even at smaller community banks.

This exclusive to DNB Advisory seminar is designed to help you take better control of your annual review process, production and turnaround times as well as to create additional underwriting capacity by working smarter. Its credit and lending tracks focus on a range of topics, including:

  • Identifying what’s most relevant to an effective and profitable annual review process
  • Focusing on the greatest value-adding components of annual review work
  • Understanding what behaviors and process elements result in significant waste of time and working to eliminate them
  • Understanding the cost and bottom line impact of various current inefficiencies
  • Developing approaches to implement the knowledge acquired and ensure successful improvements
  • Developing relevant skills among credit and lending team members to ensure more efficient and effective annual cycles

Benefits to Attendees and Training ROI
  • Most teams are capable of increasing their production at least by 10% by applying some of the knowledge from this program, without the addition of significant resources, staffing, working extra hours, or additional stress.
  • This 10% improvement in throughput typically equates to $10M or more in cost savings per analyst per year.
  • This 10% improvement in throughput also typically equates to 4-5 or more deals underwritten and potentially closed per year per credit analyst.
  • On the revenue side, this improvement equates to an equivalent ranging from several tens of thousands to often several hundreds of thousands of potential net interest income per analyst per year, if the majority of these additionally-underwritten and approved deals close.
  • Our teams and clients have found that by applying lessons learned in this program they have been able to focus their lending and credit staff on what’s relevant for efficient annual reviews, shorten the review timeframes, improve reviews’ quality and relevance, and ultimately created additional capacity to underwrite new deals.

    • Who should attend?
    • Commercial credit analysts and underwriters
    • Commercial relationship managers
    • Credit and lending team leaders
    • Commercial banking managers and executives interested in improving their deal flow, reducing costs, and increasing revenue and profitability of their commercial lending teams

    Prerequisites
    • Desire to be open-minded in objectively evaluating and changing how we do business today
    • Willingness to convert inefficiencies into numbers to understand the revenue, cost, and profit impact

    Date, Pricing, Etc.

    Wednesday, October 23, in Boston, MA

    • Two-hour training program, includes lunch; 12:00pm – 02:00pm
    • $175 per attendee (prorated typical full-day course pricing); includes lunch and materials
    • No cancellation within 3 weeks of the seminar date, unless DNB Advisory is able to fill in your spot; transferrable to a similar session at another location

    Please contact us if you’d like to host an in-house session for your credit and lending staff (wholesale pricing) at neil[at]dnbadvisory.com or 617-233-1405.

    Program Instructor
    Neil Berdiev is Managing Partner and Co-Founder of DNB Advisory LLC, an advisory firm providing commercial banks with credit / underwriting resources when they need them the most. He launched DNB Advisory in 2016 after a 20-year successful commercial banking and financial services career. During his financial services career, Neil worked at organizations such as Citizens Financial / RBS, Boston Private Bank, FleetBoston Financial, and Cambridge Trust. His commercial banking career covers roles in credit analysis and underwriting, portfolio management, relationship management and business development, credit review, and team build-out and turnaround. Prior to founding DNB Advisory, Neil headed Citizens Bank’s Commercial Banker Development Program (CBDP). It is a 12-month, full-time credit training program, one of only several programs of its caliber remaining in the country and the only one in New England. He was a key member of the founding team, responsible for program development, build-out, and growth, helping make the CBDP a national success story.

    Neil is one of the Risk Management Association (RMA) national instructors. He is also a nationally-recognized author and speaker. He wrote numerous articles for and was quoted or featured in regional and national publications such as the RMA Journal; LA Times; Boston Globe; Banker & Tradesman; American City Business Journals (MA, FL, MN, FL); Banking New England & New York; Inc.com; Entrepreneur.com; and Entrepreneur Magazine. Neil has published four books, largely focused on commercial credit management and general business topics. Neil received an MBA from Babson College, a Graduate Certificate in Management from Harvard University, and a BA in English Linguistics from Turkmen State University with studies at Middlebury College.

    Reviews from past attendees

    Awesome Class! Great materials. Thank you for all your support.

    Credit Administration Manager, NY Credit Administration Manager, NY $5B-$10B in assets

    I thought the class was excellent! I’m looking forward to implementing some of the ideas you discussed and I’ll let you know how it goes. Everything feels very overwhelming as I transition and start to dig into what I inherited. I’ll get through it though! Thanks!

    VP, Credit Department Manager, NY VP, Credit Department Manager, NY $500MM-$1B in assets

    I found great value in the seminar… I am sending my other CO to another session in May.

    SVP, CO, PA SVP, CO, PA $5B-$10B in assets

    I found the seminar to be job-specific and plan to apply some of the principals or techniques learned to my job. Your presentation skills were excellent and kept the subject very interesting. I also appreciated your facilitation of the participants’ discussion.

    EVP, CCO, FL EVP, CCO, FL $3B-$5B in assets

    I thought that the seminar was very worthwhile and I got a lot out of it.

    VP, PM Team Leader, CT VP, PM Team Leader, CT >$20B in assets

    I found the seminar to be really helpful in provided me some thought provoking situations and ideas.

    AVP, Credit Manager, PA AVP, Credit Manager, PA $500MM - $1B in assets
    Have a question?

    Give us a call or come visit us. We’re headquartered in Boston, MA.

    DNB Advisory LLC
    24 School Street
    Boston, MA 02108
    dnb[@]dnbadvisory.com
    617.761.7070
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