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Course Details
About This Course:
Non-Profit Organizations ("NPOs") are common in the marketplace for most financial institutions and may comprise a noticeable portion of a financial institution's loan portfolio.  NPOs can be grouped as being providers of a public benefit (museum, schools, hospital and civic groups) or provider of a mutual benefit (churches, trade or professional association, and clubs)

Since the ultimate goal of an NPO is having resources sufficient enough to meet its objectives of providing a social service or need, cash is more important than profitability.  As such, the skills required to understand and underwrite the risks involved in this type of lending is quite different from analyzing profit oriented organizations. 

For example, terminology commonly used to describe an NPO's operations and the accounts on the financial statements are unlike the terminology and accounts found on the financial statements of a traditional for profit organization.  

This course is designed to introduce participants to the various types of NPOs and present appropriate methods of analyzing and lending to these types of entities.  It will highlight a Religious Organization; a Private School, and a Non-Profit Service Provider.

Covered Topics:

  • Understanding the financial statement components of an NPO and their meaning
  • Understanding the layout of  NPOs financial statements utilizing Statement of Financial Accounting Standard 117 (Financial Statements of Non-Profit Organizations)
  • Identifying the basic information required  to analyze various types of NPOs and identifying risk factors commonly found in NPOs
  • Identifying key financial ratios utilized to analyze NPO and their respective interpretations
  • Structuring loans to NPOs in order to minimize the risks associated with this type of lending.

After completion of this session, the participants' knowledge of NPOs will be enhanced and should improve the credit underwriting quality of this specialized form of lending.

Who Should Attend

  • Commercial Loan Officers
  • Consumer Loan Officers
  • Senior Credit Officers
  • Loan Review Officers
  • Compliance Officers
  • Branch Managers
  • Credit Analysts
  • Loan Support Personnel

The Presenter: Jeffery W. Johnson

Most of Mr. Johnson's 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. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

Course Details
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