Seven Habits of Effective Credit Administration in Commercial Banks Webinar

Imagine finding yourself suddenly in a senior credit administration position at your bank due to required personnel changes as a result of frequent credit losses; Or, your bank’s credit administration seems disconnected, un-organized and free flowing and lacks effective management oversight; Or you are in a lending position and the credit administration function at your bank fails to provide structure, guidance and leadership. If any of these scenarios point to you or your financial institution, this course will address the factors you need to know to make a positive difference in the credit administration at your bank.

Specifically, this course is intended to provide guidance on how to develop and maintain a Credit Administration function that will provide guidance to anyone involved in the credit function of the bank and to insure safeguards are in place to manage the bank’s loan portfolio in a safe and sound manner. This principle is paramount especially in this economic environment and close scrutiny being applied by the regulatory authorities.

There are seven distinct characteristics well managed and successful banks have in their Credit Administration area. This course will evaluate the reasoning and requirements for each of these characteristics so that the participant can begin the process of developing such a culture within their respective organization.

The Seven Characteristics are as Follows:

1.  Well Defined Credit Culture Established and Supported by:

  • An Effective Loan Policy

2.  Highly Effective Risk Assessment and Credit Underwriting System by:

  • Choosing the right personnel to be Credit Analysts, Lenders or Loan Administrators
  • Knowing how to balance Risk and Rewards through proper credit, ratio and cash flow analysis
  • Knowing how to report risk assessment by writing effective credit memoranda

3.  Highly Effective Credit Committee that:

  • Considers all pertinent information
  • Allows members to express their opinion “freely”
  • Records Minutes that matter

4.  Utilize Credit Risk Rating to Identify Risk in the Loan Portfolio by:

  • Clearly defining credit grades and applying them to various types of borrowers
  • Utilizing a clear, objective and measurable loan grading system

5.  Loan Documentation Procedures that will:

  • Identify the Borrower’s legal structure
  • Identify, value and properly classify the collateral (emphasizing appraisal reviews)
  • Evidence the debt outstanding
  • Attach the bank’s security interest in the collateral
  • Perfect the bank’s lien position in the collateral

6.  Effective Loan Portfolio Management by:

  • Defining the expectations of loan officers in the management of their loan portfolio
  • Using Loan Agreements, Covenant Compliance Reports and other monitoring tools to manage the loan portfolio
  • Adopting prudent commercial real estate loan workout strategies for problem loans

7.  Calculating and Maintaining an Adequate Allowance for Loans and Lease Losses

  • Reviewing and Documenting the ALLL methodology

At the end of this session, the participant will have a good road map to build and manage an effective credit administration area of the bank and to satisfy regulators’ requirement to operating a safe and sound bank from a credit risk perspective.

Who Should Attend?

  • Directors
  • CEOs & Presidents
  • Chief or Senior Credit Officers
  • Chief or Senior Loan Officers
  • Commercial Loan Officers
  • Bank Accountants
  • Branch Managers
  • Consumer Loan Officers
  • Loan Review Personnel
  • Consumer Lenders

Continuing Education (CE) Credits

This webinar is recommended for 2.5 CE Credit Hours. Each attendee will receive a Certificate of Attendance for self-reporting of CE Credits.

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Jeffrey Johnson
Jeffrey Johnson

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commerci... read more.

Course TitleCreditsStart DateStart TimeDelivery TypeDelivery OptionInstructor / LocationPrice
Seven Habits of Effective Credit Administration in Commercial Banks0.25 Any AnyWebinarSix Month On-Demand Recording Jeffrey Johnson$295.00 Register Now
Seven Habits of Effective Credit Administration in Commercial Banks0.25 Any AnyWebinarCD-ROM Video Recording Jeffrey Johnson$345.00 Register Now
Delivery Options

INCLUDES 7 DAYS OF ONDEMAND PLAYBACK! With this option, you will participate in the webinar (via the internet) as it is being presented. You will login to the webinar on your PC to view the PowerPoint presentation, and you have the option of using your PC speakers or a telephone for the audio. You can type and send your questions to the instructor. Many companies are now running their PC through an LCD projector allowing many employees to participate at the same time. And don’t worry if you miss the webinar, you can still view it for up to seven days after it takes place!

With this option, you will receive an e-mail that contains a link to the PowerPoint slides (to download, print, and copy) as well as a link to the media player where you will view and hear the entire webinar just as it was delivered, featuring the full-color PowerPoint presentation with audio. You can pause, fast-forward and rewind as needed, which makes it an effective training tool. The weblink will be available to you (and anyone else in the company) for up to six months and can be accessed 24/7 as many times as you wish. Delivered via e-mail the day after the webinar takes place.

If you do not have internet access or want to make the webinar part of your training library, the CD-ROM Recording is a great option for viewing a webinar. You can pause, fast-forward and rewind as needed, which makes it an effective training tool. With this option, you will receive a download of the PowerPoint slides and a CD-ROM Recording (featuring PowerPoint presentation with audio) of the webinar via regular mail. Mailed 7 to 10 days after the webinar takes place.

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