How To Draft A Credit Memorandum

Webinar: ID# 1014018
Recorded CD
About This Course:
This webinar covers the basics of how to draft a credit memorandum that can be used to effectively underwrite a commercial loan and/or approve a trade credit relationship.

The webinar will begin with a brief overview of credit memorandums including types, styles, and necessary component parts (contact and relationship information, financial analysis, management review, and risk assessment/mitigation). The financial analysis section will include an overview of liquidity, activity, leverage, operating performance, and cash flow analysis.

Additionally, the use of the Z-score (bankruptcy predictor) will be discussed. The live webinar will also cover some additional important memorandum items including assessing the company's strategic plan- marketing, financing, and management. The webinar concepts will be reinforced through the review of a standard credit memorandum.

  • Effective Credit Memorandums
  • Types, Styles, and Components Parts
  • Financial Analysis-Including the Z-Score
  • Assess the Company's Strategic Plan
  • Summarize the Concepts by Reviewing a Standard Memorandum

David L. Osburn M.B.A.
  • Founder of Osburn & Associates, LLC, a business training and contract CFO firm
  • Practice emphasizes all aspects of credit training including financial statement analysis, tax return analysis, and loan structure/documentation/compliance
  • Conducts regular seminars, webinars, and keynote speeches on commercial lending topics throughout the U.S. for bankers, CPAs, creditor managers and attorneys
  • Former banker, including the position of VP/senior banking officer
  • Holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM)
  • M.B.A. degree and graduate, ABA National Commercial Lending School
How To Draft A Credit Memorandum
Available on CD format
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