The Credit Write-Up Again
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In this 8th and final course of the Commercial & Industrial Business Underwriting Skill Series, participants will review essential credit write-up issues, present credit write-ups for two borrowers, and identify borrowing causes, repayment sources, associated risks, and mitigants to align with the lender's risk tolerance.
Certificate
1 credit or $295
Cost
1.5 - 2 Hrs.
Duration
1 hr.
Prep Time
1
Quiz
Overview
In the eighth and final webinar session, participants review the essential analytical issues that must be addressed in a credit write-up. They present the elements of a credit write-up for two specific borrowers, which, based on all prior analysis, identifies and highlights the borrowing causes, the likely sources of repayment that range from business cash flow to liquidation of business and guarantor assets, relevant risks to each source of repayment, and practical mitigants to those risks sufficient to conform to the lender's level of risk tolerance.
Who Should Attend
This Course is ideal for participants currently in or aspiring to enter the following job functions:
- Credit Management
- Commercial Credit Administration
- Commercial Loan Portfolio Management
- C & I Lending
- Loan Review
- Special Assets
- Credit Analysis
Prerequisites
Some familiarity with an accrual income statement and balance sheet for a commercial business, as well as completion of prior sessions in the Credit College.
Objectives
By the end of the webinar session, participants will be able to:
- Properly identify the projected borrowing causes, likely cash repayment sources, risks to the cash sources of repayment, and mitigants to those risks for two specific borrowers.
- Identify and assess a range of arguments in favor of the respective loan requests, based on the analytical conclusions for the two borrowers.
- Identify and assess a range of arguments against the respective loan requests, based on the analytical conclusions for the two borrowers.
- Identify the single most persuasive argument in favor and the single most persuasive argument against the loan requests for the two borrowers.
- Properly identify the sequence of the analytical decision process and key purpose of each step in the process
- Understand the rationale and critical importance of each of the four analytical essentials that every credit write-up must address in reaching a credit decision.
Materials(access provided with registration)
- Credit Refresher on The Credit Write-Up
- Solutions for Session 7
- Financial Statements and Background Information for Sacramento Distributors, Inc.
- Personal Financial Statement and Personal Income Tax Information for Melvin Ho
- Financial Statements for Total Coverage, Inc.
- Exercise for the Session 8 Webinar
- Webinar Presentation Slides
- Webinar Poll Questions
- Webinar Poll Solutions
- Exercise Solutions
This is Course 8 of 8 in the Commercial & Industrial Business Underwriting Skill Series
Analytical Decision Tree and the Credit Write-Up
Financial Statement Review and Ratio Analysis
Cash Flow Analysis and Borrowing Causes
Projected Cash Flow, Management Assessment and the First Way Out
Guarantor Analysis and the Second Way Out
Non-Financial Red Flags and Performance Implications
Identifying and Mitigating Repayment Risks
The Credit Write-Up Again
