Training the Credit Analyst Virtual 5-Part Series. Registration is for all 5 sessions.
March 5, 2024 - Session 1, 9:30am-12pm
April 23, 2024 - Session 2, 9:30am-12pm click here for information on part 2
May 21, 2024 - Session 3, 9:30am-12pm click here for information on part 3
June 20, 2024 - Session 4, 9:30am-12pm click here for information on part 4
July 23, 2024 - Session 5, 9:30am-12pm click here for information on part 5
Member Fee (Virtual Live Only): $625 per connection (includes all 5 parts)
Non-Member Fee (Virtual Live Only): $825 per connection (includes all 5 parts)
Training the Credit Analyst is a course designed to address the needs of beginning Credit Analysts and reinforce the credit skills of experienced Credit Analysts, Consumer and Commercial Lenders in all aspects of credit analysis. It begins with a refresher in accounting principles then proceeds into a thorough review of financial statement components. The course will demonstrate the principles of spreading financial statements so that the credit analysis output can be interpreted. Other topics to be covered are Ratio Analysis; Loan Structuring; Cash Flow Analysis; Financial Forecasting; Sustainable Growth Analysis and How to Write an Effective Credit Memo, among other topics. This course will focus primarily upon commercial and industrial type of borrower.
The objective of this course is to provide the Credit Analyst and all Lenders with analytical skills that can be put to immediate use when analyzing your next borrower. The participant will learn to use proven analytical tools which will enable them to assess the degree of risk prior to recommending approval or declination of a credit request. Another objective of this course is to improve the documentation of commercial loan files which will reduce losses and will be viewed favorably by the regulatory community.
Session 1 topics:
- Review of accounting assumptions & principles which are used by accountants to create financial statements
- Review the rules of debits and credits utilized to record economic transactions
- Review the influential organizations that create and amend accounting principles
- Accounting case study to reinforce information gained from this session
To enhance the learning process and ensure all subject matters are covered, it will require some homework between each session.
After participating in this series, the participants will:
- Know the various types of financial statements and be able to identify the components of financial statements including the Balance Sheet, Income Statement, Statement of Cash Flows, and Reconciliation of Net Worth
- Know how to read the Notes to Financial Statements and identify latent notes which may have a major impact on the operating performance of a credit
- Know how to spread the financial statements consistently and interpret ratio analysis so that trends can be identified
- Know how to perform a detailed Cash Flow Analysis by calculating the sources and uses of funds from one accounting period to another
- Know how to prepare financial projections based upon assumptions provided by the borrower, then to evaluate those assumptions by utilizing sensitivity analysis
- Know how to calculate the Sustainable Growth Rate and understand how varying rates of growth will impact the financial condition of the borrower
- Know how to identify factors which may impact the ability to repay debt obligations and to document the finding in a written credit analysis memorandum
- Know how to perform industry comparison analysis utilizing standard industry codes
Credit Analyst, Credit Officers, Senior Loan Officers, Commercial Loan Officers/Managers, Loan Review Officers, Branch Managers and Consumer Lenders
Jeffrey Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank). Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities. Mr. Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001. Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta, GA; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking Diploma from Prochnow School of Banking at the University of Wisconsin-Madison and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.