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FNBSM was honored and delighted to sponsor of The Commercial Industrial Association of South Florida Inc., “CIASF” Annual Commercial Financing Report Luncheon at the Coral Gables Country Club.  CIASF is a non-profit organization of business leaders involved in the development, design, construction, sales and leasing of Industrial and Commercial Real Estate in South Florida.  The diverse and experienced group of panelists from various sectors of the lending industry including Juan Del Busto, former regional executive of the Federal Reserve Bank to discuss the current lending environment, forecast trends in lending and elucidate requirements to obtain financing and close deals.  The moderator was Richard M. Zelman, Esquire.  Bank officers and Veronica B. Flores were joined by guests that included Brad Williamson and Bill Burdette.