Writing Effective Credit Memos and Loan Narratives
www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
Instructor Profile Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.
www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
Description This webinar will explore the detailed credit analysis of a loan request has been performed, it is time to communicate your findings in writing. Credit memoranda are a primary means of communications within the banking industry. A good understanding of how to effectively write a credit memorandum can make all the difference in conducting a successful lending process to the consumer. This program will focus on training participants to write effective credit memos and loan narratives.
www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
Why should Attend This webinar will explore the underwriting and reporting on commercial real estate, construction loans, acquisition and development loans and multi-family unit loans. In doing so, several samples of proven credit memos will be examined to insure bankers are covering the areas required by the banking regulators.
www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
Objectives
Strengthen their 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 upon relevant facts and not instinct. Identifying strengths and weakness in the writing process and evaluating the lender. Margin change analysis and liquidity along with debt to income ratios. www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
Who can Benefit
Commercial Loan Officers Consumer Loan Officers Credit Analysts Loan Review Personnel Compliance Officers Internal Auditors Branch Managers
www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
How this Webinar works Username and Password will be sent to you 24 hours prior to the webinar Presentation handouts in pdf format will be mailed to you Login to the session using the username and password provided to you Get answer to your queries through interactive Q&A sessions via chat
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www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com
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www.onlinecompliancepanel.com | 510-857-5896 | customersupport@onlinecompliancepanel.com