Writing Compelling Credit Memos &
Loan Narratives with Confidence

(90-minute webinar – recording also available)

Tuesday, May 5, 2020

12:00 PM Pacific                1:00 PM Mountain

2:00 PM Central                 3:00 PM Eastern

Got a tale to tell?  Do your credit memos and loan narratives effectively convey the borrower’s story?  Do they contain the key components and provide clear credit risk conclusions?  Learn to develop meaningful write-ups that will satisfy underwriters – and examiners. 

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

• Identify the objectives of a credit memo, so you know what to include and exclude
• Understand the components of credit analysis, including different terms, exposure summary, financial analysis, collateral, etc.  
• Define and consider key financial ratios
• Structure a strong summary narrative
• Know what examiners look for in a sensitivity analysis (stress testing)
• Draw clear credit risk conclusions and identify strengths, weaknesses, and mitigants
• Avoid common examiner criticisms in credit write-ups

WEBINAR DETAILS

The purpose of the credit memo and loan narrative is to tell the borrower's story.  They are the basis for making credit approval and renewal decisions.  They are also used for detailing ongoing account management for loan relationships and maintaining pertinent information regarding material developments or changes in the quality or nature of the credit or borrower over the life of the loan.  The underwriter needs a clear picture to make the best approval and renewal decision.  Whether it is a consumer, real estate, or commercial credit, an effective credit memo/loan narrative is imperative for both safety and soundness and compliance.

A well-written credit memo assists:

• Loan officers and underwriters in making a strong credit decision (now and in the future for possible renewals)
• Directors on the loan committee to make a strong credit decision
• Loan Review Officers in understanding a credit being reviewed
• In documenting workout strategies for problem credits
• Examiners when reviewing your files

This session will cover how to develop meaningful write-ups that clearly document the credit/loan being considered.  It will go step-by-step through the process and provide samples so you may compare what you are using and/or develop a new process.

WHO SHOULD ATTEND?

This informative session is designed for commercial lenders, credit analysts, and commercial loan administration professionals. Directors on the loan committee will also benefit. 

TAKE-AWAY TOOLKIT

• Two sample formats to use to develop/strengthen credit memos
• List of online resources for industry analysis
• Employee training log
• Interactive quiz 

DON’T MISS THESE RELATED WEBINARS!

2020 Commercial Lending Series

      MEET THE PRESENTER - Ann Brode-Harner, Brode Consulting Services, Inc.

Ann Brode-Harner began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management.  Ann is a well-respected presenter and has spoken to audiences across the country for over 30 years.  She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools.  Ann is the author of The Bank Deposit Documentation Manual for Front-Line Personnel published by Bankers Publishing Company, and is well represented in numerous industry publications.

Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

THREE REGISTRATION OPTIONS

1. LIVE WEBINAR

The live webinar option allows you to have up to three internet connections. Registrants receive a website address and passcode that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, passcode, and handouts will be emailed to you prior to the broadcast. You will need the most-current version of Adobe Reader available free at www.adobe.com. 

2. RECORDED WEBINAR + FREE DIGITAL DOWNLOAD

Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 2 business days after the webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

3. BOTH LIVE WEBINAR & RECORDED WEBINAR + FREE DIGITAL DOWNLOAD

Options 1 and 2 described above.

 AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE