GLLC Workshops

Join 300+ bankers, lenders and entrepreneurial support organizations for three days of engaging workshops. Past workshops include lectures and panel discussions on SBA lending procedures, banking ethics, engaging and leveraging microloan programs, cyber security, business transition planning and many other topics.

2017 Breakout Session Descriptions

7(a) Basics – Eligibility

9:45am-10:45am July 26
Presented by Latifa Bradwell, SBA Michigan District Office & Thomas McFadden,SBA Michigan District Office


Lending and the Veteran Community

9:45am-10:45am July 26
Description coming soon…


Non-Interest Income – The Difference Maker

9:45am-10:45am July 26
This session describes how lenders can make SBA/USDA lending the most profitable piece of commercial lending the bank is engaged in. It details the financial incentives the bank can receive in exchange for employing their capital in government guaranteed lending.


State Capital Access Programs

9:45am-10:45am July 26
The Michigan Economic Development Corporation (MEDC) offers a variety of programs to assist senior debt providers. This session will provide information about the various programs the MEDC has available to assist lenders in providing financing for both commercial & industrial financing and investment real estate projects.


Advanced 7(a) Lender – Part 1

9:45am-10:45am July 26
Presented by National Association of Government Guaranteed Lenders (NAGGL) Jane Butler

A two-session program focused on the finer details of SBA’s loan programs. Designed to be an interactive discussion, lenders can go beyond the basics and address more complex issues, new programs, and changes to policy.


7(a) Basics – Servicing the SBA Loan

11:15am-12:15pm July 26
This session will provide information about servicing SBA loans. Included will be information about the Servicing Centers, what requests are submitted to servicing after final Disbursement, unilateral actions, 1502 reporting, actions requiring SBA Approval, and how to protect your guaranty.


Lender Oversight

11:15am-12:15pm July 26
Presented by Lou Pham, SBA’s 7a Lending Program Are you audit ready? Know when to expect an SBA onsite review and what it entails. The Lender Portal, PARIS reviews and desk reviews will be discussed.


Debt Refinancing

11:15am-12:15pm July 26
Description coming soon…


Understanding the SBA SOP, overcoming new challenges with contaminated property and creative ways to help pay for it.

11:15am-12:15pm July 26
Closing an SBA loan on contaminated property is becoming more challenging, time consuming and expensive. However, understanding the SOP requirements, as well as the tools and incentives available can make them much more manageable.


Advanced Business Acquisition/Appraisal Topics

11:15am-12:15pm July 26
Join Neal Patel of Reliant Business Valuation for an advanced interactive discussion on how businesses are valued and how SBA change of ownership requirements can impact deal structure, business value and the lender’s SBA guarantee.


Construction Lending I

2:00pm-3:00pm July 26
Presented by: Tom Kabe, Shareholder, Butzel Long, l and Mark Zeitlow, Mark Zeitlow & Associates.

A lender must take “all safeguards appropriate” when SBA loans are used for construction financing. This presentation will highlight lender best practices for construction loans involving SBA programs. Discussion will be focused on meeting requirements for construction contracts, ensuring conformance with construction plans, documenting evidence that the completed building will meet all necessary codes and permits requirements, complying with bonding requirements, obtaining lien waivers or releases, dealing with cost overruns, and other construction problems. Lender liability updates involving construction financing will be noted. The presentation will also include good basic loan closing practices that are generally applicable to all loans.


Franchise Financing

2:00pm-3:00pm July 26
Description coming soon…


You Mean Small Business Export

2:00pm-3:00pm July 26
In this session we try to dispel the mythical small exporter perception and introduce you to real, successful small business, exporters. These are individuals who really took the minotaur by the horns and got help from one or more Federal and State programs to assist them in their quest for world domination.
You’ll hear from our panel of small business exporters and have the opportunity to ‘get inside their heads’ to understand the motivation, challenges and rewards their companies gain from exporting and what programs they utilized along the way to make things happen.

You’ll also hear briefly (thankfully?) from several Federal and State agencies that provide export assistance to small business. These are resources that you can invite to your bank to host an export orientation for your customers.


SBA Form 1502 Reporting

2:00pm-3:00pm July 26
Guaranteed Loan Status & Lender Remittance i.e. SBA form 1502 reporting, is required monthly for all approved SBA loans with an active outstanding guaranty. This process teams SBA’s lending partners and service providers (LSP’s) with Colson Services, Fiscal Transfer Agent on submission and processing with a goal towards accurate record keeping and data uploads to SBA’s E-Tran servicing platform.

The SBA Form 1502 Reporting breakout session will provide a full introduction to this monthly requirement with content geared towards both new 7a lenders and those already established in the program


Identify, Avoid, & Conquer SBA 7(a) Loan Details

2:00pm-3:00pm July 26
The SBA loan guaranty can, and many times is, lost in the details. Why risk the chance? This must attend session, presented by Lisa Preston of The Preston Group, will provide you essential information pertaining to the many areas where these issues can occur. Discussions will center around collecting, creating, assessing, and retaining the appropriate documentation for SBA lending. Learn how to identify the problem areas in your loan origination and servicing processes and develop a strategy to eliminate and/or correct the issues to ultimately create a much more efficient and effective SBA department. Attend so you can cut down on your headaches by avoiding the mistakes of others.


SBA One

3:30pm-4:30pm July 26
Description coming soon…


Construction Lending II

3:30pm-4:30pm July 26
Presented by: Tom Kabe, Shareholder, Butzel Long, l and Mark Zeitlow, Mark Zeitlow & Associates.

A lender must take “all safeguards appropriate” when SBA loans are used for construction financing. This presentation will highlight lender best practices for construction loans involving SBA programs. Discussion will be focused on meeting requirements for construction contracts, ensuring conformance with construction plans, documenting evidence that the completed building will meet all necessary codes and permits requirements, complying with bonding requirements, obtaining lien waivers or releases, dealing with cost overruns, and other construction problems. Lender liability updates involving construction financing will be noted. The presentation will also include good basic loan closing practices that are generally applicable to all loans.


CDC Capital Markets on Secondary Markets

3:30pm-4:30pm July 26
This session is designed to give you tools to increase SBA 504 volume – both from the third party lender perspective as well as the CDC perspective. We will go over marketing techniques to use both offensively to win deals and defensively for lenders to maintain their banking relationships while still providing 504 financing to their clients. Tools include use of 504 1st mortgage secondary market to help community banks beat stiff competition from both larger banks and 7(a) competition on a nationwide basis while earning fee income with no risk. CDC’s can help their lending partners satisfy customer needs while not affecting their lending partners’ balance sheet. Banks win by maintaining and gaining deposits, and earning premium.. We will go over programs which enable lenders to increase their lending capacity, increase their credit box, and widen their choices of rates and terms offered to borrowers. The net effect is to increase lenders’ access to capital to expand financing options to small businesses. Benefits of Using


Angel Investing in the Midwest – A Critical Funnel for New Enterprise Development

3:30pm-4:30pm July 26
With 10 Angel groups just in Michigan, angel investors are planning to have an increasing role in helping new companies get to the growth phase. Nationally, over 50% of the companies that receive venture capital have come up through angel investors. This session will take a close look at angel investing in the Midwest and help participants understand what they can do to help and engage their angel investors.


Advanced 7(a) Lender – Part II

3:30pm-4:30pm July 26
Presented by National Association of Government Guaranteed Lenders (NAGGL) Jane Butler

A two-session program focused on the finer details of SBA’s loan programs. Designed to be an interactive discussion, lenders can go beyond the basics and address more complex issues, new programs, and changes to policy.


1502 Dashboard Portal

9:30am-10:30am July 27
The 1502 Dashboard Portal allows SBA lending partners an online resource to confirm monthly 1502 reporting performance post processing. The Dashboard provides confirmation of expected 100% 1502 reporting status based on the active loan portfolio in addition to viewing open remittance exception errors pending resolution. Additional functionality includes ability to edit current month reported 1502 info, validate resolution of generated remittance exception errors and much more.

The 1502 Dashboard breakout session will provide a walkthrough of this vital post monthly 1502 submission resource.


Top 10 Screen Outs

9:30am-10:30am July 27
Description coming soon…


Real Estate Market Update and SBA Lending

9:30am-10:30am July 27
The state of the Southeast Michigan Commercial Real Estate Market and how to work with Commercial Real Estate Brokers to generate more business.


SBA One

9:30am-10:30am July 27
Description coming soon…


Prudent Liquidation

11:00am-12:00pm July 27
Presented by Debbie Lester, Lead Loan Specialist, SBA National Guaranty Purchase Center


Business Acquisition

11:00am-12:00pm July 27
Description coming soon…


Loan Fraud

11:00am-12:00pm July 27
Presented by Tamara Morgan, Special Agent for the SBA’s Office of Inspector General and Richard Pasiak, Attorney for the SBA’s Office of General Counsel


Manufacturing – Industry Update

11:00am-12:00pm July 27
Description coming soon…


Lender Oversight

11:00am-12:00pm July 27
Presented by Lou Pham, SBA’s 7a Lending Program Are you audit ready? Know when to expect an SBA onsite review and what it entails. The Lender Portal, PARIS reviews and desk reviews will be discussed.


Workouts, Liquidations, and everything Herndon

2:00pm-3:00pm July 27
Learn how to protect your guaranty and navigate the liquidation process. Best practices on how to interact with Herndon will be covered.


504 Loans – The Basics and Beyond

2:00pm-3:00pm July 27


Top 10 Screen Outs

2:00pm-3:00pm July 27
Description coming soon…


Asset Management in Tumultuous Times

2:00pm-3:00pm July 27
This session covers the following topics:
• When does it makes sense to liquid?
• What types of liquidations are available?
• What is the process for liquidating assets and how long does it take?
• Factors to consider when choosing which option is best
• What if only a partial liquidation is needed?
• Can liquidations be used to improve cashflow or help rehabilitate the borrower?
• What if there isn’t time to liquidate?
• How to protect/secure the assets
• What if the borrower is hostile or uncooperative?
• Methods for negotiating with landlords
• How to protect against lender liability
• The importance of UCC filings
• How to maximize value/minimize losses
• When does it make sense to abandon assets?
• Working with the SBA


Restaurant/Brewery Financing – Factors that Help Determine if a Restaurant/Brewery is a Good Lending Opportunity

2:00pm-3:00pm July 27
This workshop will cover some of less obvious factors that can play a major part in determining a restaurant/brewery chances for success. The program will give attendees an inside view of an industry which is both dynamic and also often times risky for a lender to loan to yet makes up a large part of any lending institution’s portfolio. The presenter often times refers to Restaurant/Breweries as advanced manufacturing and having an understanding of this perspective can assist an institution in determining whether a client could be a good customer. New trends within the industry will also be presented.


Franchise Financing

3:30pm-4:30pm July 27
Description coming soon…


Strategies to Formulate an Effective Loan Agent/Broker Policy

3:30pm-4:30pm July 27
Use of Loan Agents/Brokers is not a BAD thing! Even if you choose not to use referral agents at this time, you still want to keep your options open for the future. Completing an effective loan agent/broker policy provides a roadmap to follow, assists with managing risk, and keeps you in compliance with the Office of Credit Risk Management, OCRM. Learn the essential elements of a good policy, from Lisa Preston of The Preston Group, and why it is so necessary to protect the lender. This is just good business!


Description of the 30-Minute Presentation: PTAC 101 Entrepreneurial Support

3:30pm-4:00pm July 27
Federal, state, and local governments are the largest markets in the country — worth billions. However, regulations are quite distinct from commercial rules. PTAC offers local businesses no-cost resources to help navigate and grow government sales. In 2016, the Muskegon PTAC supported approximately $135M in client contract awards. Every business should consider whether government markets should be part of their business plan. This session will introduce PTAC and its resources; demonstrating how their experts can provide a business with a competitive edge. It will also introduce what’s different and critical to manage your resources.


The USDA – Rural Development Financing Programs

3:30pm-4:30pm July 27
Description coming soon…


Protecting Your Guaranty

3:30pm-4:30pm July 27
Jane Butler (NAGGL) covers the basics of guaranty purchase and uses case studies as object lessons, illustrating common lender mistakes that can cause guaranty repairs or denials, including eligibility issues like insufficient affiliation analysis and failure to carefully monitor changes in use of proceeds; refinancing ineligible debts; lien positions problems; improper disbursements—and more!

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