Writing an Effective Credit Memorandum-2-Part Series Webinar

This 2 part series will take place on February 1st and 9th at 2:30 PM EST.

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.

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.

View Delivery Options

Related Topics

Instructor

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 Title Credits Start Date Start Time Delivery Type Delivery Option Instructor / Location Price
Writing an Effective Credit Memorandum-2-Part Series 0.25 02/01/2022 2:30pm Webinar Live Webinar Jeffrey Johnson $485.00 Register Now
Writing an Effective Credit Memorandum-2-Part Series 0.25 02/01/2022 Any Webinar Live, On-Demand, CD-ROM Jeffrey Johnson $715.00 Register Now
Writing an Effective Credit Memorandum-2-Part Series 0.25 02/01/2022 Any Webinar Six Month On-Demand Recording Jeffrey Johnson $535.00 Register Now
Writing an Effective Credit Memorandum-2-Part Series 0.25 02/01/2022 Any Webinar Live and On-Demand Jeffrey Johnson $665.00 Register Now
Writing an Effective Credit Memorandum-2-Part Series 0.25 02/01/2022 Any Webinar CD-ROM Video Recording Jeffrey Johnson $625.00 Register Now
Delivery Options

LIVE WEBINAR:
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!

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 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.

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.

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