Christopher F. Robie, Senior Vice President of Citizens Bank, National Association, and Tom Guidi of Hemenway & Barnes LLP will lead a discussion on Financial Covenants in Commercial Real Estate Loan Agreements. Such covenants appear in most commercial real estate loan agreements. This program will provide some insights into a banker's underwriting considerations and thought process in establishing financial covenants such as Loan to Value Ratio (LTV) and Debt Service Coverage Ratio (DSCR). How negotiable are these covenants? How are the definitions of various key terms determined? What particular types of deals are likely to cause a bank to require one or more such covenants? Come learn the answers to these and other questions, as well as what happens if a borrower fails to meet its financial covenants.