Writing About the Risk

When:  Mar 14, 2019 from 8:30 AM to 4:00 PM (CT)
Associated with  Wisconsin

This presentation builds on the Wisconsin RMA Chapter’s popular course “Essentials of Effective Loan Presentations” AND … Expands the discussion of the purpose, content and structure of a written credit analysis.

Seminar Description

There are few formal training courses for teaching lenders and credit analysts about how to write an effective credit analysis.  Often, the process of creating a credit analysis is learned via incomplete “on the job training.”

The credit analysis narrative portion of a loan presentation should be a critical element in relating the credit risk in a credit request.  Following are some of the topics that will be covered:

  • Purpose of a written credit analysis
  • Relating credit analysis to risk evaluation
  • Understanding why “working capital”  is not a loan purpose
  • How to use ratios as an element of a written credit analysis
  • How the use of industry averages/comparisons is an often ignored tool
  • Understanding the importance of trend analysis
  • Written analysis of projections
  • How a well done written credit analysis is a bridge to determining credit structure
  • Using a simple cash flow worksheet to quickly identify sources and uses of cash
  • Learn the rules of “trends, sudden changes and aberrations”
  • Learn the rule of “never write a what without a why.”
  • How all the tools can produce a critical summary of the borrower strengths and weaknesses
  • Examples will be provided

The following may find this workshop beneficial:

  • Senior lenders who would like to review or improve current written credit analysis.
  • Credit analysts who would like more formal training on written credit analysis
  • Lenders who want to improve the written analysis portion of their loan presentations and facilitate more efficient communications with credit analysts.

Speaker - Gary D. Maples
President, River Edge Consulting LLC, Sheboygan Falls, Wisconsin

Gary currently provides

  • consulting services (in the lending and credit administration areas)
  • expert witness services
  • and all types of credit training. 

Previously Gary was a District Bank President with thirty years experience in commercial lending, credit analysis, loan and credit administration, loan workouts and bank management. Currently he is on the Board of a community bank.

Other Teaching Experience includes: WI, IA, IL, KS, KT, MI, MN, NY, OH, and PA Bankers Assoc.; KS/NE Schools of Banking;  Pacific Coast Banking School; Stonier Graduate School of Banking; Graduate School of Banking at the UW; Czech and Romanian Banking Institutes; ABA’s National Graduate Lending School.

General Information

A Continental Breakfast and Lunch will be provided.

Attire - Business Casual

  8:30 - 9:00    Registration and Continental Breakfast
  9:00 - 12:00  Seminar
12:00 - 1:00    Lunch
  1:00 - 4:00    Seminar 

Location

Reinhart Boerner Van Deuren S.C.
N16 W23250 Stone Ridge Drive, Suite One
Waukesha, WI 53188

Contact

Sandy Gruber
608-588-3100
sandy@rmawi.org