WEBINAR

Writing an Effective Credit Memorandum Webinar

CFT Credits: 0.25

After a detailed credit analysis of a loan request has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications within the banking industry. In writing effective credit memoranda, it is not what you say that commands attention, but how you say it (see complete description below).

Webinar Description and Audience

After a detailed credit analysis of a loan request has been performed, it’s now time to communicate your findings in writing. Credit memoranda are a primary means of communication within the banking industry. When writing effective credit memoranda, it’s not what you say that commands attention, but how you say it. Credit memoranda serve three functions: 1) they provide information on the condition and status of a customer relationship; 2) they provide a record of thoughts and actions; and 3) they support or recommend action.

This course teaches skills required to write an effective credit memorandum. Learn to emphasize important factors and trends without stating the obvious. In short, your credit memoranda should present relevant, material facts, along with your thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.

Covered Topics:

•Balance Sheet analysis
•Income Statement analysis
•Cash Flow analysis
•Calculating and interpreting financial ratios and cash flow
•Using analysis to determine the Financial Impact of changes in financial factors
•Questions to raise with the customer after the credit analysis is completed
•Outline of relevant factors to include in a credit memorandum
•How to report your finding efficiently and effectively in credit memoranda
•Apply the concepts to a study case

We’ll also explore underwriting and reporting on Commercial Real Estate, Construction Loans, Acquisition and Development Loans and Multi-Family Unit loans. Samples of proven credit memos will be examined to insure bankers are covering the areas required by banking regulators.

Learn to:

1.Strengthen your understanding of credit analysis
2.Clearly describe the Financial Impact of changes in financial factors, and not just report on what changed
3.Interpret financial trends and financial ratios
4.Write succinct and focused credit memoranda
5.Meet with management armed with relevant questions and issues to be addressed
6.Feel more confident in defending a recommended course of action based on relevant facts and not instinct

Who Should Attend?

•Commercial Loan Officers
•Consumer Loan Officers
•Credit Analysts
•Loan Review Personnel
•Compliance Officers
•Internal Auditors
•Branch Managers

Participant should have some experience or prior class work in analyzing financial statements and/or credit analysis.

Webinar Viewing Options

LIVE WEBINAR:

INCLUDES SEVEN 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. Participants can type and send their questions to the instructor. Many companies are now running their PC through an LCD projector allowing many employees to participate in the same room.

SIX MONTH ONDEMAND VIDEO:

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 OnDemand Video will be available to you (and anyone else in the company) for 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.

CD-ROM VIDEO:

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.

IN-HOUSE:

Webinars can be scheduled and offered exclusively for your company. They can even be customized to best fit your needs. To find out more, please complete the in-house request form found in the Schedule and Registration Information section below.

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.

Register Here!

Choose the viewing option that best suits your needs. Live Webinar times are shown as Eastern Time. You can choose to pay by credit card or invoice when you register. CFT Credit will be awarded to the registrant, unless directed otherwise (additional attendees can also receive credit for an additional fee). CFT Webinars are powered by Total Training Solutions!

Webinar DateStart TimeEnd DateEnd TimeViewing Options - See Descriptions AbovePrice
02/01/19Archived Six Month On-Demand Recording$295.00Order
02/01/19Archived CD-ROM Video Recording$345.00Order
AnyIn-HouseRequest