Intermediate Credit Training - Session 3: How to Craft an Effective Loan Write-Up

HOW TO CRAFT AN EFFECTIVE COMMERCIAL LOAN WRITE-UP 

AND

LOAN COMMITTEE PRESENTATION SKILL TRAINING

Part 1:

The first part of the webinar will cover the basics of how to craft an effective commercial loan write-up.

This section will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation).

The financial analysis section will highlight “liquidity, activity, leverage, operating performance, and cash flow analysis.” This will also include the Altman Z-Score (bankruptcy predictor).

The session will also cover additional important loan write-up items including assessing the company’s strategic plan- “marketing, financing, and management.”

Three “standard” commercial loan write-ups will be presented to illustrate the concepts.

Objectives:

• Review effective commercial loan write-ups
• Discuss types, styles, and components parts
• Cover the financial analysis section
• Assess the company’s strategic plan
• Summarize the concepts by reviewing three loan write-ups

Part 2:

The second part of the webinar will review loan committee presentation skill building techniques that include the “do’s & don’ts” of loan committee, “reading” the personalities of the committee members, understanding the difference between an “outside” versus “inside” committee member, and exploring “group dynamics.”

Additionally, “tips and techniques” will be displayed on how to make a clear, concise, and motivating presentation and overcome the “fear” and “intimidation” factor.

This section will also cover the “supporting” disciplines of negotiation skill building, communications, and “personal” marketing.

The presentation concepts will be reinforced through case studies.

Objectives:

• Gain an understanding of effective presentation skills in loan committee
• Learn to make motivating presentations and conquer fear and intimidation
• Analyze the “do’s and don’ts” of loan committee, personality types, group dynamics
• Review the related topics of negotiation skill building, communications, and personal marketing
• Summarize the seminar concepts through case studies

Audience

Commercial lenders, credit analysts, relationship managers, private bankers, and business development officers