BankTrainingCenter.com offers banking exams, banking degree training, and professional development for banking professionals
Course/Product Description
Title:

Writing an Effective Credit Memorandum

SKU:WT-1000694
Format: Webinar
Description:

Writing an Effective Credit Memorandum

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.

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.

Covered Topics Include:

  • 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

Learning Objectives:

  • 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.

The Presenter

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.

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.

Webinar Descriptions:

Live Session:
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.

Recorded CD:
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.

OnDemand:
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.
Price: $265.00
More Info: Contact Us For More Information
Share This: Share on Facebook


Share on Twitter


Share on Google+


Currently Scheduled Dates For This Webcast
Course TitleDatePrice
Writing an Effective Credit MemorandumCD/On-Demand$295.00

Wire Transfer Basics
Wire Transfer Basics

What To Do When A Customer Dies
What To Do When A Customer Dies

Do′s And Dont′s For Social Security And VA Accounts
Do′s And Dont′s For Social Security And VA Accounts

The Five Pillars Of BSA
The Five Pillars Of BSA

Call Report for Banks - Recent Changes, Highlights, and Pitfalls
Call Report for Banks - Recent Changes, Highlights, and Pitfalls

CRA Nuts &Bolts - Five Steps to Pass the Exam
CRA Nuts &Bolts - Five Steps to Pass the Exam

The Core Components Of An AML Program
The Core Components Of An AML Program

Right of Setoff
Right of Setoff

Federal Benefit Payments Garnishment Requirements
Federal Benefit Payments Garnishment Requirements

Sixty (60) Critical Steps For Handling Delinquent And Abandoned Safe Deposit Boxes
Sixty (60) Critical Steps For Handling Delinquent And Abandoned Safe Deposit Boxes

Certified Regulatory Vendor Program Manager
Certified Regulatory Vendor Program Manager

ACH &Wire Transfer Training Courses
ACH &Wire Transfer Training Courses

Underwriting Construction Loans
Underwriting Construction Loans

Qualified Financial Advisor (QFA)
Qualified Financial Advisor (QFA)

Cyber Security Training Courses
Cyber Security Training Courses

Bank and Financial Institution Fraud
Bank and Financial Institution Fraud

FacebookBankTrainingCenter.com. 5755 North Point Parkway, Suite 228 | Alpharetta, GA 30022 | 770-410-9375 | support@BankTrainingCenter.com
Copyright BankTrainingCenter.com 2017 | Web Site Development by OTAU
Facebook