Network with Your Peers
School of Business Lending III Attendees by Title
Update
In 2021, School III was held online. This shift assured the safety of our attendees, instructors, and staff, while still offering access to the highest quality education.
Business lending can be highly profitable—and a great member retention tool—but it must be done the right way to be successful. Aspire to take your career and your credit union to the next level by attending CUES School of Business Lending.
CUES School of Business Lending is one of the longest-standing professional development offerings from CUES. Designed to be attended as a series, this offering helps you develop a successful business lending program customized for your credit union.
Facilitated by the same experts who train the state and federal examiners; CUES School of Business Lending III will teach you about:
- Realistic projections
- Effective credit memorandums
- Identifying credit risks and how to negate their impact
Lacey Mack
Chief Lending Officer
Financial One Credit Union
asset size — $132 million
Jim and Bob are outstanding! Their knowledge is priceless!
-
24.5
CUES School of Business Lending™ III: Strategic Business Lending offers 24.5 hours of learning.
-
37.5
You will earn up to 37.5 Continuing Professional Education credits for attending CUES School of Business Lending™ III: Strategic Business Lending.
Why Attend?
- Business lending can be highly profitable and a great member retention tool. To be successful, it must be done the right way for YOUR credit union. CUES School of Business Lending teaches you how to create the perfect program for your credit union.
- When you attend CUES School of Business Lending you will benefit from learning from one of CUES longest-standing offerings with highly-rated financial industry speakers Jim Devine and Bob Hogan.
- You’ll earn up to 37.5 Continuing Professional Education (CPE) credits.
Program Overview
Learn more about each segment of CUES School of Business Lending.
At CUES School of Business Lending I you’ll learn about accounting basics, price/cost/volume analysis, capitol budgeting techniques, tax return analysis and more.
The schools in this program must be taken in order. Make sure you start with school I.
At CUES School of Business Lending II you’ll learn about financial statement analysis, industry sector risks, business life cycle and more.
The schools in this program must be taken in order. Make sure you have attended school I before you attend this school.
At CUES School of Business Lending III you’ll learn about realistic projections, effective credit memorandums, identifying credit risks and how to negate their impact and more.
The schools in this program must be taken in order. Make sure you have attended schools I and II before you attend this school.
CUES members save big:
Pay just $2,400 per school when you attend School of Business Lending I, II, and III in one year. To receive the discount, you must register for all three schools at once.
Sponsorship Opportunities
CUES’ lending schools provide you the perfect sponsorship opportunity to showcase the products these leaders will be looking for as they build their lending programs.
Agenda
Here’s what you can expect:
- The syllabus will cover all the sessions outlined below.
- Portions of the syllabus will be presented through a mixture of recorded videos and online assignments. CUES Learning Portal and CUESNet will be two platforms used in completing CUES School of Business Lending III.
- Attendees will work on these at their own pace through the learning modules in the CUES Learning Portal to prepare for the eight live sessions with instructors Jim Devine and Bob Hogan. Live sessions will be held on Zoom.
- Attendees should allow for approximately 10 hours a week to complete assignments.
Course Objective & Structure
Objective:
The objective of CUES School of Business Lending III is to learn how to project future financial performance and determine an entity’s ability to generate cash. You’ll learn how balance sheets and income statements are projected and determine the availability of cash flow; discover the nine critical cash determinants in business; and discuss the SAF law of growth. You’ll also learn how to calculate sustainable growth rates and examine different growth management strategies, write effective credit memorandums and proven presentation strategies. Discover the three predominant asset financing patterns and discover how to properly structure debt for repayment.
Structure:
This is a 4-week online course containing: lectures, quizzes, and case studies on CUES Learning Portal, live Zoom discussions, and a private cohort-specific discussion board on CUESNet. Participants will spend approximately 10 hours each week on the course. In the CUESLearning Portal pathway you will be able to view the estimated time for each section.
Course Modules
I. Realistic Projections
- Discover proven financial statement projection techniques
- Learn the SAF law of growth
- Calculate sustainable growth rates
- Discuss six proven growth management strategies
- Discuss nine critical cash determinants
- Ascertain asset financing patterns
- Learn to properly structure debt for repayment
- Conduct sensitivity analysis
- Calculate “Method B” cash flow
II. Effective Credit Memorandums
- Organize credit memorandums
- Learn the “five Ps” of credit memorandum preparation
- Discover the “eight Cs” of credit
- Establish debt service coverage ratio
III. Making Your Case
- Identify credit risks and how to negate their impact
- Present a case study with your peers to a mock loan committee
Assessments, Attendance, Program Completion
Participants will apply the skills and knowledge learned in the course through knowledge checks, quizzes, case studies and discussions.
- Knowledge checks. At the end of some video lectures you may be prompted to comment on the video to check for knowledge and understanding.
- Quizzes. Many of the learning modules will contain one or more quizzes launched within the CUES Learning Portal Pathway.
- Case Studies. Case studies are woven into this course, particularly at the end, to give you an opportunity to apply relevant information in your workplace.
- Live Discussion. There are 8 Live Discussions. These discussions will be recorded, and available in the CUESNet library shortly afterwards.
- Time estimates are provided for each component of the program as well as the weekly time we recommend you set aside to adequately prepare for the live discussions.
- We recommend you prepare for, and attend, all live Zoom meetings to derive the most from this program.
- To receive a certificate of program completion, you must complete 100% of the program pathway on CUES Learning Portal by the end of the week following the program's conclusion.
Cancellations:
All cancellations must be in writing and sent to events@cues.org. Substitute attendees are welcome, subject to eligibility. For more information please visit the FAQs tab.
Speakers
Hipereon, Inc., Redmond, Wash., is a nationally recognized financial consulting firm that was formed in 2001 by a unique team of prominent bankers and industry consultants dedicated to the growth and profitability of small businesses and their financial services providers. Hipereon provides new, tactical and technological strategies, giving clients a road map to establish more competitive, proactive and profitable working relationships. The principals of Hipereon have more than 50 years of experience developing, facilitating and implementing training programs for business owners and lenders across the U.S. and in 37 other countries.
FAQ
For virtual education support, review these helpful steps and frequently asked questions.
This school is ideal for:
- CFO and CLO
- EVPs/SVPs of lending and operations
- VPs, directors and managers of lending, finance and business services
- Senior staff members who will be involved in the business lending process
- CUSO and new business development executives
All cancellations must be in writing; email cues@cues.org to notify us:
- Prior to 60 days before event start date – full refund
- 31-60 days before event start date – 50% refund
We’re sorry, but we cannot offer a refund if we are notified 0-30 days before an event start date.
Substitute attendees are welcome, subject to eligibility.
CUES reserves the right to cancel or reschedule the event due to unforeseen circumstances, and will refund fees if the event is rescheduled or location is changed and you are unable to attend.
Yes! This school meets the following standards:
- Earn up to 37.5 CPE Credits
- Program Level: Overview
- Delivery Method: Group-Live
- Field of Study: Business Management & Organization
- Prerequisites: None
CUES is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors, through its website linked above.
CUES School of Business Lending III is an organized program with expert content that builds on relevant topics each week. You should expect to spend approximately 10 hours a week completing lecture videos, assessments, live and CUESNet discussions.
You will be assigned learning modules with all tasks due on a specific date. The assignments included are recorded lectures, quizzes, case studies, and discussions. The recorded lectures give you the opportunity to share key points learned with the group and help to prepare you for the quizzes, case studies, and discussions.
CUES for School of Business Lending III is organized using structured flexibility to meet the needs of busy learners. This includes weekly assignments with deadlines. This is to help participants derive the most value from video lectures, live meetings, and complete the program on time. We suggest that participants budget time to work ahead to accommodate for extended absences, or catch-up on coursework following their return. A CUES Member Support monitors all participants progress and performance through the course. Please reach out to the designated CUES employee if you’ll be absent for more than one week, or will not be able to complete the course by the scheduled end date.
The live discussions are recorded and will be available for participants to download via CUESNet within two days after the recording.
The comfort and well-being of our attendees is of utmost importance to us; we will make every effort to make sure you are comfortable at our events!
Please email events@cues.org as soon as you know you’re attending a CUES event. Be sure to include your name, credit union, the CUES event you are registered for, and everything we need to know to accommodate your request.
We’ll be in touch with any questions we have, and let you know how we can help.
Update
In 2021, School III was held online. This shift assured the safety of our attendees, instructors, and staff, while still offering access to the highest quality education.
Business lending can be highly profitable—and a great member retention tool—but it must be done the right way to be successful. Aspire to take your career and your credit union to the next level by attending CUES School of Business Lending.
CUES School of Business Lending is one of the longest-standing professional development offerings from CUES. Designed to be attended as a series, this offering helps you develop a successful business lending program customized for your credit union.
Facilitated by the same experts who train the state and federal examiners; CUES School of Business Lending III will teach you about:
- Realistic projections
- Effective credit memorandums
- Identifying credit risks and how to negate their impact
Lacey Mack
Chief Lending Officer
Financial One Credit Union
asset size — $132 million
Jim and Bob are outstanding! Their knowledge is priceless!
Network with Your Peers
School of Business Lending III Attendees by Title
-
24.5
CUES School of Business Lending™ III: Strategic Business Lending offers 24.5 hours of learning.
-
37.5
You will earn up to 37.5 Continuing Professional Education credits for attending CUES School of Business Lending™ III: Strategic Business Lending.
Why Attend?
- Business lending can be highly profitable and a great member retention tool. To be successful, it must be done the right way for YOUR credit union. CUES School of Business Lending teaches you how to create the perfect program for your credit union.
- When you attend CUES School of Business Lending you will benefit from learning from one of CUES longest-standing offerings with highly-rated financial industry speakers Jim Devine and Bob Hogan.
- You’ll earn up to 37.5 Continuing Professional Education (CPE) credits.
Program Overview
Learn more about each segment of CUES School of Business Lending.
At CUES School of Business Lending I you’ll learn about accounting basics, price/cost/volume analysis, capitol budgeting techniques, tax return analysis and more.
The schools in this program must be taken in order. Make sure you start with school I.
At CUES School of Business Lending II you’ll learn about financial statement analysis, industry sector risks, business life cycle and more.
The schools in this program must be taken in order. Make sure you have attended school I before you attend this school.
At CUES School of Business Lending III you’ll learn about realistic projections, effective credit memorandums, identifying credit risks and how to negate their impact and more.
The schools in this program must be taken in order. Make sure you have attended schools I and II before you attend this school.
CUES members save big:
Pay just $2,400 per school when you attend School of Business Lending I, II, and III in one year. To receive the discount, you must register for all three schools at once.
Sponsorship Opportunities
CUES’ lending schools provide you the perfect sponsorship opportunity to showcase the products these leaders will be looking for as they build their lending programs.
Agenda
Here’s what you can expect:
- The syllabus will cover all the sessions outlined below.
- Portions of the syllabus will be presented through a mixture of recorded videos and online assignments. CUES Learning Portal and CUESNet will be two platforms used in completing CUES School of Business Lending III.
- Attendees will work on these at their own pace through the learning modules in the CUES Learning Portal to prepare for the eight live sessions with instructors Jim Devine and Bob Hogan. Live sessions will be held on Zoom.
- Attendees should allow for approximately 10 hours a week to complete assignments.
Course Objective & Structure
Objective:
The objective of CUES School of Business Lending III is to learn how to project future financial performance and determine an entity’s ability to generate cash. You’ll learn how balance sheets and income statements are projected and determine the availability of cash flow; discover the nine critical cash determinants in business; and discuss the SAF law of growth. You’ll also learn how to calculate sustainable growth rates and examine different growth management strategies, write effective credit memorandums and proven presentation strategies. Discover the three predominant asset financing patterns and discover how to properly structure debt for repayment.
Structure:
This is a 4-week online course containing: lectures, quizzes, and case studies on CUES Learning Portal, live Zoom discussions, and a private cohort-specific discussion board on CUESNet. Participants will spend approximately 10 hours each week on the course. In the CUESLearning Portal pathway you will be able to view the estimated time for each section.
Course Modules
I. Realistic Projections
- Discover proven financial statement projection techniques
- Learn the SAF law of growth
- Calculate sustainable growth rates
- Discuss six proven growth management strategies
- Discuss nine critical cash determinants
- Ascertain asset financing patterns
- Learn to properly structure debt for repayment
- Conduct sensitivity analysis
- Calculate “Method B” cash flow
II. Effective Credit Memorandums
- Organize credit memorandums
- Learn the “five Ps” of credit memorandum preparation
- Discover the “eight Cs” of credit
- Establish debt service coverage ratio
III. Making Your Case
- Identify credit risks and how to negate their impact
- Present a case study with your peers to a mock loan committee
Assessments, Attendance, Program Completion
Participants will apply the skills and knowledge learned in the course through knowledge checks, quizzes, case studies and discussions.
- Knowledge checks. At the end of some video lectures you may be prompted to comment on the video to check for knowledge and understanding.
- Quizzes. Many of the learning modules will contain one or more quizzes launched within the CUES Learning Portal Pathway.
- Case Studies. Case studies are woven into this course, particularly at the end, to give you an opportunity to apply relevant information in your workplace.
- Live Discussion. There are 8 Live Discussions. These discussions will be recorded, and available in the CUESNet library shortly afterwards.
- Time estimates are provided for each component of the program as well as the weekly time we recommend you set aside to adequately prepare for the live discussions.
- We recommend you prepare for, and attend, all live Zoom meetings to derive the most from this program.
- To receive a certificate of program completion, you must complete 100% of the program pathway on CUES Learning Portal by the end of the week following the program's conclusion.
Cancellations:
All cancellations must be in writing and sent to events@cues.org. Substitute attendees are welcome, subject to eligibility. For more information please visit the FAQs tab.
Speakers
Hipereon, Inc., Redmond, Wash., is a nationally recognized financial consulting firm that was formed in 2001 by a unique team of prominent bankers and industry consultants dedicated to the growth and profitability of small businesses and their financial services providers. Hipereon provides new, tactical and technological strategies, giving clients a road map to establish more competitive, proactive and profitable working relationships. The principals of Hipereon have more than 50 years of experience developing, facilitating and implementing training programs for business owners and lenders across the U.S. and in 37 other countries.
FAQ
For virtual education support, review these helpful steps and frequently asked questions.
This school is ideal for:
- CFO and CLO
- EVPs/SVPs of lending and operations
- VPs, directors and managers of lending, finance and business services
- Senior staff members who will be involved in the business lending process
- CUSO and new business development executives
All cancellations must be in writing; email cues@cues.org to notify us:
- Prior to 60 days before event start date – full refund
- 31-60 days before event start date – 50% refund
We’re sorry, but we cannot offer a refund if we are notified 0-30 days before an event start date.
Substitute attendees are welcome, subject to eligibility.
CUES reserves the right to cancel or reschedule the event due to unforeseen circumstances, and will refund fees if the event is rescheduled or location is changed and you are unable to attend.
Yes! This school meets the following standards:
- Earn up to 37.5 CPE Credits
- Program Level: Overview
- Delivery Method: Group-Live
- Field of Study: Business Management & Organization
- Prerequisites: None
CUES is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors, through its website linked above.
CUES School of Business Lending III is an organized program with expert content that builds on relevant topics each week. You should expect to spend approximately 10 hours a week completing lecture videos, assessments, live and CUESNet discussions.
You will be assigned learning modules with all tasks due on a specific date. The assignments included are recorded lectures, quizzes, case studies, and discussions. The recorded lectures give you the opportunity to share key points learned with the group and help to prepare you for the quizzes, case studies, and discussions.
CUES for School of Business Lending III is organized using structured flexibility to meet the needs of busy learners. This includes weekly assignments with deadlines. This is to help participants derive the most value from video lectures, live meetings, and complete the program on time. We suggest that participants budget time to work ahead to accommodate for extended absences, or catch-up on coursework following their return. A CUES Member Support monitors all participants progress and performance through the course. Please reach out to the designated CUES employee if you’ll be absent for more than one week, or will not be able to complete the course by the scheduled end date.
The live discussions are recorded and will be available for participants to download via CUESNet within two days after the recording.
The comfort and well-being of our attendees is of utmost importance to us; we will make every effort to make sure you are comfortable at our events!
Please email events@cues.org as soon as you know you’re attending a CUES event. Be sure to include your name, credit union, the CUES event you are registered for, and everything we need to know to accommodate your request.
We’ll be in touch with any questions we have, and let you know how we can help.
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