Every loan or credit presentation written in a bank for the purpose of initial approval, renewal, or periodic review tells a story. Well told stories have a beginning, a developed plot and a clear ending.
Too often the loan presentation format used in a bank was developed piecemeal over a long period of time without complete thought being given to creating a fully informative, organized presentation.
Your loan presentations are the “window” into your underwriting and credit risk administration. Loan presentations that lack focus, ignore crucial factors or that are incomplete, leave a negative impression about your credit risk management. Once that impression is created, it can be difficult to change. This is particularly important in a regulatory environment where examiners are highly focused on the lender credit risk process.
The Wisconsin State RMA Chapter is pleased to present a one day work shop on the Essential Elements of Loan Presentations.