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Lending to Municipalities
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 Export to Your Calendar 4/8/2019
When: Monday, April 8, 2019
Where: Webinar
Colorado
United States
Contact: Mike Bintner

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his is the description from our webinar that was presented in September 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

This webinar has been developed for banks and bankers who are aware of opportunities to serve their community through credit services to municipalities and other local government or quasi-governmental organizations (i.e. volunteer fire departments, emergency health care providers, political subdivisions, etc.). Extending credit to municipal entities requires legal, tax, accounting and credit knowledge and analysis that can be quite different from conventional commercial lending decisions. There are many issues involved. Governmental entities provide financial information, often using unfamiliar fund accounting. Budgeting constraints have a direct impact on how credit requests are structured. Lease financing is frequently needed. Commercial customers may need financing for contracts with local government entities. Since 2008, municipal bankruptcies have risen, but overall the default risk on municipal bonds is low and interest paid by municipalities and related types of entities is often tax free to the bank.

Covered Topics

  • Governmental use of bond financing
  • Impact of frequent long-term financing needs on bank credit evaluation and profitability
  • Basics of fund accounting
  • Effect of different forms of municipal government: mayor/council, council/manager, or commission
  • Importance of relationship in municipal lending (all politics are local)
  • Collateral and lien documentation
  • Lending/credit opportunities (needs)
  • Profitability and federal income tax-free interest income
  • Benefits beyond profitability

Who Should Attend?

Loan officers, credit analysts, note and credit department personnel, internal auditors, loan review and compliance personnel or any banker involved in the lending function.


   Live Plus Five (days) - $265   
   OnDemand Recording - $295   
   CD-ROM - $345   
   Live Plus Six (months) - $365   
   Premier Package - $395   
Additional Locations
Want your branches to participate? Facilities within your organization will be able to participate without the travel costs of coming to one location.
Each additional location adds $75 to your registration and can be entered on the next screen as you confirm your order.

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