Three Basic Rules of Proper Business Meeting Etiquette

Individual behavior conveys a great deal about who you are as a person, both professionally and personally. Most of the time good common sense, allows us to know what acceptable behavior is and what it is not, especially when we are in a business meeting. Your professional demeanor or lack thereof can contribute to making or breaking a business deal and will also affect how your clients, your supervisor and your co-workers treat you in a work environment. That is why it is very important that you use proper business etiquette when attending any type of meeting.

Basic rule number one of proper etiquette is to always be punctual whenever you are going to a meeting.

If you’re able to, get there a few minutes early even better. This demonstrates to the other attendees that you care enough about the meeting to show up early and that you are an attentive participant. Be polite and shake the hand of the person who is hosting the meeting and to thank them for inviting you to participate.

Basic rule number two is that you should always be properly prepared and have everything in order for the meeting.

It is a good idea to know what the meeting is about and do some research on the topic, so that you will know in advance what is most likely going to be discussed. Bring any supporting documents and other information that will enable you to be an essential asset during the meeting. By being prepared and having researched the topic prior to the meeting you will be in a position to advise your manager and co-workers more effectively on the subject as well as being able to knowledgeably ask and answer questions regarding the subject at hand. By being properly prepared for the meeting you are demonstrating to your employer, clients and co-workers that you are well organized and focused.

Basic rule number three of proper etiquette is to be courteous and pay attention during your meeting.

You should never speak out of turn, be impatient to get your own point across or talk over those who are attempting to make a point that is different from your own. Don’t do anything else while another person is speaking during the meeting, because this exhibits a lack of interest and a lack of respect for the other person.

If it is up to you to host the meeting, you should be well prepared and give all the participants advance notice of the date, time and location of the meeting. Send e-mail invitations, as well as office memos, which will allow your co-workers time to prepare in advance. You should also inform your co-workers of the topics that will be discussed and provide them with a detailed agenda. Your meeting should have a definite start and end time so that items on the agenda can be discussed more efficiently. If you have guest speakers or presenters you should ask them how much time they will require for their presentations and schedule accordingly. This will keep the meeting moving smoothly without too much time lapse between topics. Guide the progression of the meeting by staying on track and focusing on the key points.

Above all, be diplomatic, calm and avoid arguments. As the meeting comes to an end, summarize the topics discussed and wrap up everything. If a follow-up meeting is required let the attendees know that you will inform them of the time and place. Remember that using proper business etiquette when attending any type of meeting is vital to the success of your professional career, so always put your best foot forward and mind your manners.

Planning an Off-Site Business Meeting

Conducting a business meeting is one of the most important events in the business calendar. As a business owner you might need to conduct some meetings with the customer at a peaceful and a calm location, so that the meetings will not have any distractions from your day-to-day business. When conducting such client meetings it is very important for the business to consider certain factors. These factors include the availability of a meeting place with good infrastructure, proper communication to all the attendees well in advance and provision of good quality food to the people attending the meeting.

When one looks for an ideal destination to conduct the meeting, the person should also look for the availability of a meeting place in the destination with the entire required infrastructure such as chairs and tables, proper ventilation, projectors in working condition and provision for working with laptops.

These are only some of the major facilities that are required for meetings. There are other factors that might be minor, but also extremely important to smoothly conduct the meeting. Thus before booking the hall, one should have a checklist of items that needs to be available in the meeting hall. While talking to the meeting hall representative, the business owner can ask for the availability of all the items in the check list.

The business owner should ensure that the meeting schedule is circulated to the target audience some weeks in advance. Complete details including the meeting hall location in the town, landmarks to easily identify the meeting hall, the start time of the meeting and the lunch break and the end time. The meeting attendees also should be informed whether lunch will be served there. The meeting agenda should clearly mention the topics to be discussed and who is going to deliver the speech for that topic.

On the day of the meeting, the person responsible for making the arrangements should reach the meeting place well in advance. The person should be there at least an hour before the meeting starts. By reaching early, the concerned person can cross check whether all the arrangements are in place for the meeting to start on time. There should not be any last minute surprises.

While conducting the meeting, it is important for the participants to strictly adhere to the schedule mentioned. Speakers should not deviate too much from the topic of discussion and should talk only about the topic planned.

Brokering Commercial Mortgages – What It’s Really Like

Brokering commercial mortgages certainly can have its perks. It is generally viewed as a very prestigious profession and brokers get to deal with highly sophisticated borrowers on most of their transactions. The income potential is truly uncapped as well as some of the seasoned commercial brokers bring home over 7 figures. This is without having a lot of fixed expenses or a large support staff to manage. It’s no wonder that so many residential brokers are entering the market as their side of the business is still taking the brunt of the capital market woes.

However this is a tough and competitive business and one should not fool themselves that it will be a cake walk. Rather new commercial brokers need to be prepared and need to know exactly what they are doing. One of the main differences we hear from residential brokers is the lack of conformity from one lender to the next, in both process and underwriting guidelines. Also, the lack of broker protection is alarming to many newbie’s as they learn that many banks will not accept deals from brokers or allow them to get paid on the settlement statements. Rather some banks will expect brokers to get paid outside of close and directly from the borrower.

New commercial loan brokers have to become very efficient in all aspects of the business but especially in pre screening deals. Every time you work on a loan you are investing your time into it and if it has a low (or no) probability of closing you will quickly be hard pressed. It is so easy to work on un-fundable deals. Often the borrower has been through the “wringer” and will be very willing and pleasant to work with. All along they are playing poker with you and not telling you that they’ve been to 10 other banks and 3 other brokers and no one can get it done. So in protecting themselves they will waste your time. So, the successful broker will collect the whole package, sit down with it for 20 minutes and make a couple of decisions 1. Can I get this done? 2. If yes, do I want to work on this deal.

The most complicated part of prescreening loan requests is being able to extract all income out of the borrower’s tax returns that can be used to service the proposed mortgage. A lot has been written about calculating DCR (divide the NOI by the debt service) but how do you really get to the NOI. This is often more complicated on owner occupied transaction than on investment deals. This goes beyond just adding back depreciation or interest. The broker has to be very good at reviewing the entire set of tax returns, which on most owner occupant deals is a combination of personal, business and the real estate entities returns.

It’s important to remember that most deals get deigned due to lack of sufficient income.

The other major part of this is after the broker has a good understanding of the borrowers loan request, they need to know which bank or lender to take it to. Again this goes beyond just the banks matrix or published guidelines. The broker needs to know what the bank really likes. The last thing you want is the phone call from the bank, 3 months into the deal, that underwriting has canned the deal for BS, random reasons. And, unfortunately, this does happen all the time. Again you need to really know what the lenders appetite is and what they are really funding so you avoid this and get paid for all of your hard work.

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