Writing an Effective Credit Memorandum
|Date / Time:
||6/5/2017 / 2:30 PM - 4:30 PM EST
After a detailed credit analysis of a loan request has been performed, it's time to communicate your findings in writing. Credit memoranda are a primary means of communications 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.Covered Topics Include:
Learn skills 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.
- Balance Sheet Analysis
- Income Statement Analysis
- Cash Flow Analysis
- Calculating and interpreting financial ratios and cash flow
- 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 the credit memorandum
- Apply the concepts to a study case
- Strengthen understanding of credit analysis
- Interpret financial trends and financial ratios
- Write succinct and focused credit memoranda
- Meet with management armed with relevant questions and issues to be addressed
- Feel more confident in defending a recommended course of action based upon relevant facts
Who Should Attend:
Commercial Loan Officers, Consumer Loan Officers, Credit Analysts, Loan Review Personnel, Compliance Officers, Internal Auditors, Branch Managers
The participant should have some experience or prior class work in analyzing financial statements and/or credit analysis.
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 Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.
Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training &Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.
Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide.
Cannot Attend The Live Presentation?
This presentation is also available in a recorded format, in On-Demand Or CD versions, as shown in the pricing options below.
|About Webcasts / Audio Conferences / Podcasts:|
Webcasts, audio conferences, and podcasts are presentations that you
attend via the Internet, phone, or mobile device at a specified date and time for "live" versions, or at your convenience for "recorded" and "On-Demand" versions.
versions are interactive, meaning that participants can ask questions in real time, plus are a very cost-effective form of training because 1) you receive fast, convenient learning without
any out-of-office time; 2) you can invite as many colleagues as you'd like to listen in on a single phone line; 3) you incur no travel expenses; and 4) you and your colleagues are back
at work immediately after the session ends!
And though with recorded versions you do lose the ability to ask questions, you gain the ability to hear the presentation numerous
times and to share it with others in your office.
Handout materials and the phone number for live presentations are made available to you prior to the event via email from the
presenter and from the "MyAccount" link on the menu bar. Copies of the presentations are included with recorded versions.
|Licenses / Designations / Educational Credits:||CEU|
All US States: 2.5
All Canadian Provinces: 2.5
|About The Provider:
||Since 1983 Total Training Solutions has produced dozens of videotapes, CD-Roms, DVD's and web-based training modules. In addition to off-the-shelf products, Total Training Solutions also develops custom training products and consults with financial institutions to develop their own training curriculum.
For timely delivery of training topics, webinars or web conferencing is an unbeatable option. We now offer over 100 live programs per year and you can even purchase the recorded or ondemand session if you are unable to attend the live program.
We have worked exclusively with the financial industry since our founding. Because of this, we understand the needs of training departments in financial institutions and are alert to changes which affect the industry.
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for seven days following the event. This will allow a flexible alternative when last minute conflicts intrude on scheduled events.
CD-Rom includes audio and video of recorded webinar plus hard copy handouts. You will also receive 6 months access to the OnDemand weblink as an added free bonus.
Includes a weblink for unlimited viewing for 6 months after the date of the webinar as well as a link to handouts.
Live + Recorded:
Includes all three options above. Live session, OnDemand Weblink, and CD-Rom plus Hardcopy Handouts.
Live + OnDemand:
Includes two of the options above. Live session and 6 months access to OnDemand Weblink plus link to handouts.
||Contact Us For More Information
||Share on Facebook
Share on Twitter
Share on Google+
Bank Call Report Preparation for Beginners
Call Reports: RC-C Loan Coding and Related RC-R Reporting
Introduction To Credit Analysis
Controlling the Risks of Power of Attorney Documents
ACH Exception Processing
Certified Regulatory Vendor Program Manager
Writing an Effective Credit Memorandum
Calculating Cash Flow
Financial Risk Manager Certification
CSA Certified Senior Advisor
Qualified Financial Advisor (QFA)
Loan Officer Boot Camp
Loan Processing 101: The Basics