Calendar of Events

Writing an Effective Credit Memorandum

02/20/2018, 1:30 PM to 3:30 PM

No location provided

Amy Davis 601-948-6366


Writing an Effective Credit Memorandum

Presented by Jeffery W. Johnson
Tuesday, February 20th, 2018
1:30 pm - 3:30 pm CT

Covered Topics:

  • Balance Sheet analysis
  • Income Statement analysis
  • Cash Flow analysis
  • Calculating and interpreting financial ratios and cash flow
  • Using analysis to determine the Financial Impact of changes in financial factors
  • Questions to raise with the customer after the credit analysis is completed
  • Outline of relevant factors to include in a credit memorandum
  • How to report your finding efficiently and effectively in credit memoranda
  • Apply the concepts to a study case
We'll also explore underwriting and reporting on Commercial Real Estate, Construction Loans, Acquisition and Development Loans and Multi-Family Unit loans. Samples of proven credit memos will be examined to insure bankers are covering the areas required by banking regulators. Learn to:
  1. Strengthen your understanding of credit analysis
  2. Clearly describe the Financial Impact of changes in financial factors, and not just report on what changed
  3. Interpret financial trends and financial ratios
  4. Write succinct and focused credit memoranda
  5. Meet with management armed with relevant questions and issues to be addressed
  6. Feel more confident in defending a recommended course of action based on relevant facts and not instinct
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