Credit memo, loan approval, credit request, loan presentation, etc. – regardless
of the vernacular, an effective loan presentation delivered to an
approving authority establishes a crucial cornerstone in credit risk
management. Whether the audience is the loan committee, board,
auditors, or examiners, the loan presentation must communicate the
pertinent elements of creditworthiness and identify circumstances that
present or elevate perceived credit risk. This webinar will extensively outline
the elements of a highly effective loan presentation that
properly communicates known risks while highlighting mitigating factors.
The five Cs of credit will be used in developing the loan presentation,
adding a sixth and seventh C of credit to consider.
- Benefits of a highly effective loan
- Need for a comprehensive loan presentation
Understand the potential audience beyond the approving
authority (i.e., auditors and examiners)
for a more efficient approval process
- Development of complete
narrative information surrounding the credit request
- Financial analysis narrative that effectively tells the borrower’s
story, eliminating “elevator” analysis
- Industry analysis
– when it is meaningful; recognizing the pitfalls
- How to strengthen the collateral analysis in the loan
- Defining the credit risk grade, including
regulatory definitions of criticized and classified credits
Periodic review of credits and monitoring the credit after origination,
including the annual review
Aaron Lewis, Young & Associates, Inc.
Live and recorded webinar, handouts, quiz with answer key and training log are included.