Get the Right Skills Required to Write a Focused Memorandum
Credit memoranda serve as the primary means of communication in the banking domain. It covers three functions: providing details on customer relation status, record actions and thoughts, and recommend or support action. An effective memorandum is not about what you say, but how you say it, for commanding attention.
Join industry expert Jeffery W. Johnson as he helps you develop your skills in writing an effective credit memorandum that places emphasis on the important factors without the need to state the obvious. You will explore reporting and underwriting on heads such as Construction Loans, Multi-Family Loans, Commercial Real Estate Loans and Acquisition & Development Loans.
You will be provided with examples of proven credit memos to ensure you are covering all the areas covered by banking regulations. Strengthen your understanding of the credit analysis and clearly describe the financial impact of changes in financial factors, reporting more than just what has changed.
Balance Sheet Analysis
Income Statement Analysis
Cash Flow Analysis
Interpret and calculate cash flow and financial ratios
Using analysis in determining the financial impact of changes in financial factors
Questions raised with customers after completion of credit analysis
Outlining the relevant factors which should be included in credit memorandum
Reporting your findings in an effective and efficient manner in the credit memorandum
Apply the concepts to a study case
Who Should Attend
Commercial Loan Officers
Consumer Loan Officers
Loan Review Personnel
Participant should have some experience or prior class work in analyzing financial statements and/or credit analysis.
Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.
Disclaimer: The content herein does not represent any association between CFPB and Eli Financial LLC. CFPB neither endorses any product of Eli Financial LLC nor warrants accuracy of the content hereto.