Credit Analysis

Lending Committee Presents:
CREDIT ANALYSIS FUNDAMENTALS WEBINAR
October 15 & 16
9 a.m. – 12 noon each day

Course Overview:

Credit Analysis Fundamentals is designed to assist lenders with more than 12 months experience or individuals who may have formal commercial credit analysis training to assess credit risk. The lender’s viewpoint is stressed through the use of practical examples and class discussions.

The course will enable students to apply proven credit analysis methods including financial statement quality, key ratios and cash flow assessment.  Current economic conditions will be discussed and highlighted relative to credit analysis approaches. 

Program Objectives:

· Explore the motivations of borrowers and lenders in the loan transaction

· Develop an understanding of the quality levels of Financial Statements

· Review proven credit analysis tools including Key Financial Ratios, Sources and Uses of Cash and Cash Flow

· Highlight uses of Sources and Uses of Cash, Cash Flow and Cash Budgets when assessing  a borrower’s ability to repay a loan

· Review appropriate loan structure approaches given specific borrower credit needs

· Discussion of the functions and operations of the Federal Reserve

· Overview of current economic conditions and potential impact to borrowers

· Roles and considerations of Credit Policy and Policy Exceptions

· Review of credit examples which will reinforce course topics and tools

Who Should Attend?

Junior Lenders

(up to 2 years at the bank) or anyone who handles both consumer and commercial lending.

About the Speaker….

Gary Higgins has 20+ years as a class leader with expertise in Credit Risk Management, Commercial Lending, Credit Analysis and other credit related topics.  Gary currently is on the Faculty of the Graduate School of Banking at Louisiana State University and the Virginia Banker’s School of Bank Management at the University of Virginia.   

As an instructor to banking professionals of all skills levels, Gary is focused upon the student’s understanding of the fundamentals of credit risk and their application to advanced topics and current day credit environments.  Specific focus is given to the lessons learned from the most recent credit cycles, the causes of bank failures and credit risk control environments experienced thru the Great Recession and the practical approaches credit professionals can use today to understand and limit credit risk.

Gary had a twenty-nine-year career with Bank of America encompassing 22 years of risk management and 7 years of commercial lending and credit risk management experience.  Extensive background in Credit Risk, Credit Review, Audit, Change Management, and Technology & Operations. 

 

Registration Form for Credit Analysis Fundamentals

PLEASE DUPLICATE FORM 

BANK/COMPANY NAME:______________________________________________________

REGISTRANT NAME:__________________________________________________________

CELL NUMBER:_______________________________________________________________

EMAIL ADDRESS:_____________________________________________________________

Registration Fees

_____ $295 for Member Banks   _____ $590 for Non-Member Banks 
 

Virtual conferences allow for BANKS to register by location (device) instead of by individual banker. Want your branches to participate?  Facilities within your organization will be able to participate without the travel costs of coming to one location.

 

With the COVID-19, the MBA requests all payments be made by credit card. 

TO REGISTER:  Copy and paste into an email, complete and send to lrichardson@msbankers.com
QUESTIONS: Contact Lori Richardson (601) 709-3736 or email the address above.

 

Credit Card Information

Name on Bank Card_____________________________________________________________

Credit Card Number_____________________________________________________________

Expiration Date___________________________CVV_________________________________

Billing Zip Code_____________________________________