August 27-28, 2024
9am-4pm (Both Days)


Member Fee:  $425
Non-Member Fee:  $625

Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, credit analysts, loan review specialists, consumer lending managers and credit officers


Richard Hamm has been training bankers for 30+ years, designing and delivering programs specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 15+ years, after a 22-year banking career including senior positions in lending and credit, plus president of a community bank through formation and acquisition of an existing bank. During his banking career he was active within RMA’s chapter structure, plus serving on several committees at the national level.  He has written over 20 articles for The RMA Journal and still serves on The Journal’s Editorial Advisory Board.  He has created several courses for RMA, including the first versions of Global Cash Flow and Construction Loan Administration.  He has also been involved in updating, editing and teaching most of RMA’s commercial real estate courses. In 2010 he served as subject matter expert for RMA’s e-learning/online The Commercial Real Estate Lending Decision Process curriculum. In 2012 Richard edited, updated and revised ABA’s long-standing textbooks Commercial Lending and Analyzing Financial Statements, as well as provided content for an electronic curriculum based on both books.  The content was again updated in winter 2018-2019 and winter 2019-2020 to add content on fraud and anti-money laundering, asset-based lending and CRE lending. Starting in 2016, he has been facilitating periodic “senior lender forums” for state banking and community banking associations, currently with eight groups across three states, as well as quarterly and annual senior lender events for the Barret School of Banking. He has BS and MBA degrees from the University of Alabama.


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.


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