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Microlending Essentials


Tuesday, November 7, 2017 at 9:00 AM - Thursday, November 9, 2017 at 4:00 PM (PST)

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Event Details

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. Nor did we find one that helped loan officers understand how microlending differs from Community Advantage. So we designed a training ourselves.

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

The training will consist of a brief overview of Community Advantage and two and a half days on microlending credit analysis including discussion and application to several case studies. We are including a snippet of Community Advantage because seeing how and why microlending differs from underwriting large deals helps community lenders design programs appropriately.

Join us!

  • Opportunity to train staff on underwriting microloans
  • Dialog with fellow lenders and compare notes, consider what works and what doesn't
  • Learn from successful microlenders, who will be our guest speakers
  • Gain understanding on why microloans and Community Advantage loans are different, and how to design an appropriate underwriting program for microloans.


  • Community Advantage Overview: Community Advantage Goals, Typical Business Characteristics, Key Indicators, Key Documents, Analyses Undertaken, Financial skills, understanding of the owner, Community Advantage Criteria
  • 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 Agenda

  • Introductions and Overview
  • Community Advantage Overview with Stacey Sanchez, Small Business Finance CDC
  • Microlending Overview
  • CAMEO Sponsored Lunch. Presentation by our sponsor: Citi
  • Underwriting Criteria and Credit Memo
  • Application, Eligibility, Assessment
  • Required Documents
  • Case Studies Step I: Application and Required documents
  • Amortization

Day Two Agenda

  • Scaled Lending Presentation with Rudy Navarro
  • Global Cash and Bank Statement Analysis
  • Case Studies Step II: Global Cash and Bank Statement
  • Credit Report Assessment
  • Case Studies Step III: Credit History Assessment
  • Profit and Loss Statement and Projections
  • Case Studies Step IV: P&L and Projections Assessment

Day Three Agenda

  • Collateral, Character, Character
  • Case Studies Step V: Write up Credit Memos and Make Recommendations
  • CAMEO Sponsored Lunch. Presentation: Priscilla Jang, Working Solutions
  • Present Credit Memos and Group Discussion
  • Other Elements of a Loan Program
  • Closing

Hotel Information

CAMEO has partnered with the Sheraton Grand to offer 20% off reservations for this training if you use this link.

There are multiple hotels in the downtown area, so if the Sheraton doesn't work for you, you have lots of options. Here are three near to the training.

Hilton Checkers Los Angeles
from $195
535 S Grand Ave

The Standard Downtown LA
from $183
550 S Flower St

The Stillwell Hotel
from $111
838 S Grand Ave

Citi Bank logo

Have questions about Microlending Essentials? Contact CAMEO

When & Where

Sheraton Grand Los Angeles
711 South Hope Street
Los Angeles, CA 90017

Tuesday, November 7, 2017 at 9:00 AM - Thursday, November 9, 2017 at 4:00 PM (PST)

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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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