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.
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.
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