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Writing an Effective Credit Memorandum Webinar

August 3, 2021 1:30 pm - 3:30 pm
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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:
  • Strengthen your understanding of credit analysis
  • Clearly describe the Financial Impact of changes in financial factors, and not just report on what changed
  • 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 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.

Instructions

Live Plus Five – $265

Register for the live event and get five days access to the OnDemand Playback. You’ll have opportunity to ask questions during the presentation and be free to review the content for the next five business days. Registration also includes links to presenter materials, handouts, and pdfs.

OnDemand Recording Only – $295
Includes a weblink for unlimited viewing for 6-months after the date of the webinar as well as a link to handouts. Does not include live session.

CD-ROM and Hardcopy Handouts – $345

CD-ROM plus Hardcopy Handouts. Does not include live session.

Live Plus Six – $365
Attend live; includes six months access to OnDemand playback. Combine the advantages of live attendance with an unlimited number of replays for the next six months.

Premier Package – $395
Includes all three options above. Live session, OnDemand Weblink, and CD-ROM plus Hardcopy Handouts.

Additional Locations
Want your branches to participate? Facilities within your organization will be able to participate without the travel costs of coming to one location.