Effective Credit Memo - Reporting Effectively in the Credit Memorandum

Duration: 60 Minutes
This training program 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.
Effective Credit Memorandum
Instructor: Robert Hawkins
Product ID: 504725
Objectives of the Presentation
  • 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
Why Should you Attend
After a detailed credit analysis of a loan request has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications within the banking industry.

In writing effective credit memoranda, it is not what you say that commands attention, but how you say it. Credit memoranda serve three functions:
  • They provide information on the condition and status of a customer relationship
  • They provide a record of thoughts and actions
  • They support or recommend action
This webinar will teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.

Areas Covered
  • Balance sheet analysis
  • Income statement analysis
  • Cash flow analysis
  • Calculating and interpreting financial ratios and cash flow
  • Using analysis to determine the financial impact of changes in financial factors
  • Questions to raise with the customer after the credit analysis is completed
  • Outline of relevant factors to include in a credit memorandum
  • How to report your finding efficiently and effectively in the credit memorandum
  • Apply the concepts to a study case
Who will Benefit
  • Commercial Loan Officers
  • Consumer Loan Officers
  • Credit Analysts
  • Loan Review Personnel
  • Compliance Officers
  • Internal Auditors
  • Branch Managers
  • Credit Administration
  • Loan Operations Staff
$300
Recorded Session for one participant
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  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
  • Please click on the link to access the Recorded Session
  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account after 48 hours of the product Purchase
  • Please share your valuable Feedback at the end of the session
Instructor Profile:
Robert D. Hawkins Robert began his banking career at Compass Bank (now BBVA) as a management trainee in 1978. After completing the training program, he was assigned to a branch location as an assistant branch manager and a small business lender. In May 1981, Robert joined the Federal Reserve Bank of Atlanta as an assistant bank examiner. He received his "Commission" in 1985 and was promoted to senior examiner in 1991. In the latter role, Robert led supervisory events at the District's largest and most complex banking organizations. On three occasions, he was chosen by the senior officer group to participate in the "Shared National Credit Program" which is a joint, interagency initiative that was created to evaluate and assign the appropriate risk ratings to credits, $20 million and above, shared by two or more financial institutions.

In the spring of 1994, Robert joined a community banking organization as the senior credit officer. In the role, he chaired the officers' loan committee, enforced lenders compliance with the bank's credit policy, managed special assets, and collection and recovery efforts. Robert returned to the Reserve Bank in the summer of 1998. In 2001, he was promoted to Director of Examinations and formed the Community Bank Risk Team. In 2004, Robert was promoted to Assistant Vice President in Community Bank Supervision. In this role, he supervised three examination teams, 25 banks and a myriad of bank-holding companies. Robert served as an instructor for the Federal Reserve Board of Governors' Credit Risk Analysis School and he was a frequent panelist and speaker at forums hosted and sponsored by the Community Bankers Association of Georgia.
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