March 27, 2024
9am-4pm


Member Fee:  $265
Non-Member Fee:  $465

In this seminar, our speaker will discuss the ten most common problems with Loan Docs:

• Importance of identifying the borrower and the collateral
• Evidencing the Debt
• Lien Perfection (including some often-missed key procedures)
• Things unique to real estate
• Residential construction
• Loan agreements
• Different forms of guarantees including mistakes that put your claim at risk
• Basics of letters of credit
• Commitment letter vs. term sheet
• The difference between participations and syndications

Mike Allen founded Three B’s Advisors, LLC with the purpose of utilizing his 45 years of banking/credit expertise and experience to assist other financial institutions in the areas of Credit/Risk Management including policy/procedures, classified/criticized loan remediation, loan review, portfolio due diligence for M&A, credit training and Leadership training.  Prior to retirement, Mike served as EVP, Area Credit Executive at Cadence Bank in Gainesville, GA. providing credit support to the Georgia Region and the bank’s CRE team of the newly merged company.  Prior to the October 2021 merger with Bancorp South, Mike served as EVP, Director of Real Estate Credit Risk for Cadence Bank.  Prior to the January 2019 merger with Cadence Bank, Mike served as EVP, Senior Credit Officer of State Bank and Trust Company in Atlanta.  He also served as Director of Special Assets Division of State Bank. Mike’s banking experience spans 45 years, having worked with several banks in various capacities including retail, consumer, commercial, troubled asset remediation and credit. Mike served on the Credit Committee for the Georgia Bankers Association, where he also serves as an instructor leading seminars on loan documentation, analyzing financial statements, business cash flow and asset-based lending.  He also served on the Georgia Bankers Association Graduate Banking School Board of Directors.  He is also a member of the faculty at the University of Georgia Banking School sponsored by the Georgia Bankers Association.  Mike is also a member of the faculty at the Graduate School of Banking at Louisiana State University where he teaches Troubled Asset Resolution.  He is a 1991 graduate of the school.  He was the 2017 recipient of the T. Eugene Spragens President’s award, an award presented annually by the Graduate School of Banking at LSU to an outstanding faculty member.  Mike also serves as President of GSBLSU and is a member of the Executive Committee.  Mike is an accomplished presenter and speaker, having conducted many seminars, workshops and been an invited guest speaker at Georgia Bankers Association, Alabama Bankers Association and Federal Reserve Bank of Atlanta programs.  He is a member of Lakewood Baptist Church in Gainesville.  He has served in numerous capacities with United Way.  Mike is a former Board Member of the Greater Hall County Chamber of Commerce and served as Vice Chairman of the South Hall Business Coalition.  He attended Georgia College and State University from 1976-1978 where he received a BBA and from 1980-1982 where he received an MBA. 


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Due to commitments we must make, if you must cancel your registration for this program, please do so at least 3 business days prior to the meeting date to avoid a $125 cancellation fee. Any registrant who does not cancel will be billed the full registration fee and sent the materials. Substitutions are welcome at no additional charge.