Registration is per level. It is not required that you attend Levels 1 and 2.
Click here for information on Training the Credit Analyst Part 1.
We are currently planning for an in-person program at the LBA office. Click here for LBA's Operating Safely Policy
August 18-19, 2022
9am-4pm (both days)
Member Fee: $390
Non-Member Fee: $690
Training the Credit Analyst Level 2 is a course designed to address the needs of credit analysts who successfully completed TCA Level 1 or have a minimum of 1 to 2 years of experience as a credit analyst or commercial lender. This course will reinforce the credit skills of current credit analysts and commercial/consumer lenders in all aspects of credit analysis. This course begins with a review of financial statements and proceeds into analyzing the financial statements through detailed credit, ratio and cash flow analysis to determine financial strength. The calculation of the most important credit ratios will be demonstrated and interpreted. From this analysis, basic loan structuring will be covered utilizing Net Working Investment and Financial Impact Analysis as a means of determining the why, when and how much funds are required to support an economic entity. Cash Flow analysis utilizing the Uniform Cash Analysis Method will be taught with the results compared to the methods mostly utilized by bankers including the Traditional and EBITDA Methods. With the knowledge gained to this point, the construction of a financial forecast and how to write an effective credit memorandum will be covered as well. Other analytical tools that will be covered in detail include: Financial Forecasting; Break-Even Analysis; Sustainable Growth Rate Calculation; Sensitivity Analysis and Industry Comparison Analysis.
Credit Analyst, Lenders and Branch Managers
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.
Due to commitments we must make to secure a class, we need your help. If you must cancel your registration, please do so at least 3 business days prior to the seminar date to avoid a $175 cancellation fee. Any registrant who does not cancel will be billed the full registration fee and sent the manual. Substitutions are welcome at no additional charge.
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