Microlending Essentials: San Francisco 2020

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Microlending Essentials: San Francisco 2020

A 2-day comprehensive training on how to underwrite microloans including hands on case studies and loan analysis.


When and where

Date and time

January 22, 2020 · 9am - January 23, 2020 · 5pm PST


333 Market St 333 Market Street San Francisco, CA 94103

Refund Policy

Contact the organizer to request a refund.

About this event

CAMEO members often ask us where they can send staff for microloan underwriting training. When we looked around, we didn't find any that had evolved with current underwriting practices. So we designed a training ourselves.

For business coaching organizations: Is one of your goals to help business owners access capital? Are too many of your referrals to lenders denied? Does your staff know how to talk to a lender in lenders' terms? This training will help your staff think like a lender so that your referrals experience a higher rate of success. In turn, you will be able to train your business clients in the key components most likely to get them qualified for financing.

Susan Brown, CAMEO's microlending specialist, developed an introductory training for microlending credit analysis, with input from some of the strongest lenders in the field today.

The training consists of two days on microlending credit analysis including discussion and application to several case studies.

What makes this training unique and valuable?

The participants apply all the analyses they learned to three actual microloan applications.

We provide a structured credit memo form that walks participants through each step of the underwriting process and compares each deal’s particulars to sample underwriting criteria.

We introduce all the elements of a loan program, outlining all the infrastructure, capacities and policy elements needed to run a quality loan program.

We explore various for roles a loan committee in the microlending approval process.

We delve into the differences in ‘point of view’ and role between a business coach and loan underwriters.

We consider how an organization’s target market impact loan product design and underwriting criteria.

We discuss mission, scale, impact and technology – prompting participants to consider their future direction and choices.


Microlending Underwriting: Microlending Goals, Underwriting Criteria, Support documents, Global Cash Analysis, Bank Statement Analysis, Credit History Analysis, Profit and Loss Statements, Projections, Underwriting Analysis, Writing Credit Memos

Case Studies: Participants will be given applications and supporting documents for three case studies and then be asked to write up the credit memo and recommendation for each.


Day One


Microlending Overview

Underwriting Criteria and Credit Memo Introduction

Application, Eligibility, Assessment

Required Documents


Credit Report: Credit History and Current Debt

Global Cash Analysis

Day Two

Bank Statements

Profit and Loss Statement

Debt to Income Ratio


Collateral, Character, Character

Case Studies: Write up Credit Memos and Make Recommendations

Present Credit Memos and Group Discussion

Other Elements of a Loan Program


As a business coach, this training helped me understand how the loan process works. I have more knowledge to prepare clients before they apply for a loan. – Edwin Rodriguez, MEDA

I believe that you taught us a golden rule that is often missed: As a lender (and more generally as a businessperson), we are actively trying to reach a ‘yes’ without compromising our standards. -- Mohammed Al Ani, International Rescue Committee

I started this session with minimal understanding of the underwriting process and am walking away feeling well-equipped to help my organization with our loan program. This course shed light on the importance of a structured process and has encouraged us to review how to scale our growth and impact. – Alejandra Garcia, Leadership for Urban Renewal Network

Susan was fantastic. All the materials were digestible. She helped us understand the very differing roles of TA provider and lender. –Azusena Favela, Inclusive Action for the City

We suggest the hotels listed below:

Days Inn by Wyndham San Francisco Downtown/Civic Center Area

Kimpton Sir Francis Drake Hotel

Courtyard by Marriott Oakland Emeryville - Free shuttle to MacArthur BART station

Courtyard by Marriott Oakland Downtown - Next to 12th Street BART station

AirBnB - Financial District

AirBnB - Union Square

The class will be held at 333 Market Street which is easily accessible by BART on the Embarcadero stop in San Francisco.

No refunds after January 2, 2020.

For any questions, please email Heidi Pickman, hpickman@CAMEOnetwork.org

About the organizer

Organized by

CAMEO's mission is to grow a healthy, vibrant, thriving environment for all entrepreneurs and start-up businesses by advancing the work of our statewide member network. Our vision is to create economic opportunity for all entrepreneurs, to build wealth and strong California communities. Our member organizations provide entrepreneurs with small and micro-business financing such as loans and credit, technical assistance and business management training. CAMEO members annually serve 15,000 very small businesses with training, business and credit assistance and loans. These firms – largely start-ups with less than five employees – support or create 35,000 new jobs in California. These very small businesses create a total of $1billion in economic activity. Federal taxes paid increased 35% over a five-year period. Local small businesses have a multiplier effect on their local economies that is twice that of big national chains.

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