Credit-Loan Management-7 Vital Webinars for Loan Officers and Credit Analysts

Imagine finding yourself suddenly in a senior credit administration position at your bank due to required personnel changes as a result of frequent credit losses; Or, your bank's credit administration seems disconnected, un-organized and free flowing and lacks effective management oversight; Or you are in a lending position and the credit administration function at your bank fails to provide structure, guidance and leadership. If any of these scenarios point to you or your financial institution, this package course will address the factors you need to know to make a positive difference in the credit administration at your bank.
Instructor: Jeffery W. Johnson, Ronald A Sereika, Apryl Kelly, Vincent DiCara
Product ID: PACK70038

CD/Recorded-How It Works:

  • Webinar CD/Recorded will have a series of modules. Our experts have delivered the modules using PowerPoint Presentations
  • Webinar Recording Link or CDs are licensed to be used multiple times at any location with multiple attendants
  • Get unlimited access for Recorded links
  • Free shipment of CDs within 72 hours from the date of purchase
  • Reference materials for Webinar Recording Link/CDs will be mailed to your registered e-mail id

Webinar Topics:

Who will benefit?

  • Directors Bank Accountants Consumer Lenders
  • CEOs & Presidents Commercial Loan Officers Loan Review Personnel
  • Chief or Senior Credit Officers Branch Managers
  • Chief or Senior Loan Officers Consumer Loan Officers
  • Commercial Loan Officers Loan Review Personnel
  • Branch Managers
  • Credit Counselors
  • Consumer Loan Officers
  • Credit Analysts
  • Loan Review Personnel
  • Compliance Officers
  • Internal Auditors
  • Credit Analysts and Credit Managers
  • Sales professionals who work with credit and do not understand what they do
  • Controllers who have credit reporting to them
  • Small Business Owners
  • Any industry that sells to commercial accounts on open terms
  • People in Treasury
  • Accounts receivable managers
  • Anyone who has the responsibility to forecast their monthly cash
  • Loan Administrators
  • Other personnel with a sound understanding of business credit analysis and prior experience in lending

Webinars included in the Package:

Seven Habits of Effective Credit Admin in Commercial Banks (Duration: 60 Minutes)

This course is intended to provide guidance on how to develop and maintain a Credit Administration function that will provide guidance to anyone involved in the credit function of the bank and to insure safeguards are in place to manage the bank's loan portfolio in a safe and sound manner. This principle is paramount especially in this economic environment and close scrutiny being applied by the regulatory authorities.

Objectives of the Presentation:


This webinar covers the seven distinct characteristics well managed and successful banks have in their Credit Administration area:
  • Well defined credit culture established and supported by an effective loan policy
  • Highly effective risk assessment and credit underwriting system
  • Highly effective credit committee that considers all pertinent information, allows members to express their opinion "freely," records minutes that matter
  • Utilizing credit risk rating to identify risk in the loan portfolio by clearly defining credit grades and applying them to various types of borrowers, utilizing a clear, objective and measurable loan grading system
  • Loan documentation procedures
  • Effective loan portfolio management
  • Calculating and maintaining an adequate allowance for loans and lease losses

Writing Effective Credit Memos and Loan Narratives (Duration: 60 minutes)

The purpose of this course is to 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.

Objectives of the Presentation:

  • Three functions of credit memoranda
  • Underwriting and reporting on commercial real estate, construction loans, acquisition and development loans and multi-family unit loans

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.

The Credit Manager's Tool Box - Tools, Tips and Strategies to Make a Sound Credit Decision. (Duration: 60 minutes)

This webinar provides the "big" picture of credit, how to work with the account to collect from them effectively and still retain them as an account. People will learn how to analyze the account for credit worthiness when sales wants to sell them that large order, and they will learn how to analyze financial statements. They will see a full credit review on an account and see how important it is to have sales work with credit to achieve their goals.

Objectives of the Presentation:

  • Credit Department responsibilities
  • How to get the information you need for a new or existing customer
  • Learning how to treat customers as partners not just people that owe you money
  • Learning the importance of the other parts of the financial statements not just the Bal. Sheet, income statement and statement of cash flows
  • Understanding auditors opinions and how this could affect you
  • The benefit of common sizing financial statements
  • Understand why as a credit person you should never be rated based on the DSO calculation
  • Understand the benefit of the Altman Z score calculation

Forecasting Cash Flow (Duration: 60 minutes)

This webinar will show you a way in which you can forecast your monthly cash flow within 95% or better. The speaker has 25 plus years of experience in cash forecasting and the method he has used with work for any company whether their sales are $100K to $5B. The speaker has used this method for his last three companies and over the last three years has averaged being 97% accurate.

Objectives of the Presentation:

  • How to get your customers annual sales numbers
  • Which customers to choose for your forecasting
  • How to compile historical data for your future use
  • How to set the percentages you will use for forecasting
  • Learn the variables that will affect your outcome of forecasting if you do not account for them
  • Learn what a Phoenix Hecht study does and how you can have one done by your bank
  • Learn that all the tools you need to forecast you have at your fingertips now

Instructor Profile:

Ronald A Sereika has a Bachelor of Science Degree in Accounting and he has completed two-year executive credit and finance program as well as the GSCFM international program both at Amos Tuck School of Business at Dartmouth University. Ron was honored to have received the NACM National instructor of the year award in 2010, the National CCE of Excellence award in 2013 and also the Credit executive of the year for Upstate New York in 2011. Ron is a true team player with a positive attitude that believes he will be able to help you reach the same results he has achieved with his presentation.

Loan Documentation for Loan Administrators (Duration: 60 minutes)

Loan Documentation is a critical component in lending. After the decision to make a loan has been made, the next step is the documentation and closing process. This part of the lending process is essential in order to avoid loan losses due to poor documentation. The purpose of this Webinar is to provide participants with a good understanding of the loan documentation process.

Objectives of the Presentation:

  • Recognize the documents required to complete the five steps in the documentation process
  • Have a good working knowledge of the purpose of each document
  • Be able to provide a broad overview of the loan documents' provisions
  • Know the rules of perfecting the security interest under the rules of Article 9 of the Uniform Commercial Code and Non-Article 9 rules
  • Be exposed to some loan processing management techniques

Cash Flow Analysis (Duration: 60 minutes)

This webinar is designed to assist bankers in calculating cash flow utilizing the Universal Cash Flow Analysis method (UCA). This method is used often by bankers to determine the flow of cash into and out of a business entity. The training session will start by defining cash flow and identifying potential sources and uses of cash and then illustrating how cash flow analysis acts as a process of converting an Accrual Basis financial statement into a Cash Basis financial statement. The Rules of Cash Flow will also be covered when determining cash flow generation from changes in asset, liability and capital accounts on the balance sheet over time. The highlight of the course will be the calculation of a full UCA from the beginning to the end.

Objectives of the Presentation:

  • Comparison of the traditional cash flow method (Net Income + Depreciation + Interest divided by annual debt service) to the UCA model
  • The rules of cash flow
  • Accrual Basis versus the Cash Basis of preparing financial statements and how cash flow analysis links the two together
  • How each amount on a Universal Cash Analysis is calculated and their meaning
  • A Fast Cash Analysis method which can achieve the same results in less time than utilizing the UCA method
  • An Illustration on how Cash Flow Analysis is used to transition an Accrual Basis Financial Statement into a Statement of Cash Flow (or Cash Basis Statement) because loans are repaid with cash and not profits.

Instructor Profile:

Apryl Kelly is the Assistant Vice President of Commercial Lending for Citizens Trust Bank (CTB). Apryl has served in many roles within financial institutions in both Consumer and Commercial departments. Apryl brings enthusiasm and a common sense approach to banking. Prior to joining the CTB on August 18, 2014, Apryl was an Assistant Vice President at Regions Bank within the commercial lending underwriting and special assets departments. Apryl also served as a loss mitigation underwriter for Wells Fargo Bank and a mortgage underwriter, processor, loan officer, and sales trainer for Centex Mortgage.

Analyzing the Tax Returns of Businesses (Duration: 90 minutes)

The only financial information that is available from many businesses is contained in tax returns. As a result, lenders often need to make a lending decision based on the information contained in those returns. This program will educate attendees in the ways in which business tax returns are both similar to and different from conventional financial statements. As tax returns are commonly used by lenders to determine the financial health of businesses, it is important to understand the information contained in those returns.

Objectives of the Presentation:

  • Types of business organizations and the different tax returns that they file
  • Relevant tax return schedules
  • What items on tax returns impact cash flow
  • Necessary questions to ask
  • Knowing what to pay attention to
  • The Section 179 deduction
  • Straight-Line and Accelerated Depreciation
  • The M-1 and M-2 Schedules and what they tell us about businesses
  • The Home Business deduction

Instructor Profile:

Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for 30years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.

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