Credit Write-Up Best Practices
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In this 2nd course of the Master the Credit Write-Up Skill Series, participants will explore the four essential analytical issues in credit write-ups, the role of descriptive statements, and the transition from descriptive to analytical write-ups, emphasizing relevant information and its significance.
Certificate
1 credit or $295
Cost
1.5 - 2 Hrs.
Duration
1 hr.
Prep Time
1
Quiz
Overview
Participants review the four essential analytical issues that must be addressed and resolved in every credit write-up. They examine the role of descriptive, or factual, statements and the necessity of verifying the significance of such descriptive statements in addressing and resolving one or more of the essential analytical issues. In so doing, Participants address the limitations of "elevator analysis" and trace the path from a descriptive credit write-up to an analytical credit write-up in which both description and analysis play their respective roles. In addition, they focus on the importance of selecting only relevant descriptive information for inclusion in a credit write-up as well as properly identifying the significance of such descriptive information.
Who Should Attend
This Course is ideal for participants currently in or aspiring to enter the following job functions:
- C & I Lending
- Loan Review
- Credit Analysis
Prerequisites
Familiarity with accrual financial statements and common performance ratios, a working knowledge of the UCA cash flow statement, and an understanding of the generic commercial credit decision process.
Objectives
By the end of the webinar, participants will be able to:
- Identify and state the importance of the four essential analytical issues that must be addressed and resolved in conducting a credit analysis.
- Understand and state the purpose and role of descriptive information in a credit write-up.
- Understand and state the purpose and role of analytical information in a credit write-up.
- Provide reasons for the interdependence of descriptive and analytical information in creating an effective credit write-up.
- State why it is important to choose the proper descriptive information for inclusion in an effective credit write-up.
- State why it is important to identify the analytical significance of descriptive information in creating an effective credit write-up.
Materials(access provided with registration)
- Credit Refresher on The Credit Write-Up
- Credit Refresher on Information Overload
- Credit Refresher on The ABCs of Cash Flow
- Excerpts from the Loan Officer's Summary for Sandover Contractors, Inc.
- Call Report for Sandover Contractors, Inc. and Projected Financial Statements
- Exercise for the Webinar
- Webinar Presentation Slides
- Webinar Poll Questions
- Webinar Poll Solutions
- Exercise Solutions
This is Course 2 of 3 in the Master the Credit Write-Up Skill Series
Introduction to the Credit Write Up
Credit Write-Up Best Practices
Spreading Financial Statements
