Writing Credit Presentations (In-Person Only)

August 8, 2024
8:30am - 4:30pm 

Member Fee:  $265
Non-Member Fee:  $465

Training for credit analysts, commercial lenders & loan assistants on writing credit presentations. Attendees learn how to prepare presentations that clearly describe the loan request, the borrower’s ability to repay the loan, the proposed loan structure and overall credit risk. Special attention is devoted to anticipating and preparing for questions posed by credit officers and possibly examiners when reviewing loan presentations.

Commercial credit presentations should reflect a lender’s reasoning and the basis for recommending approval of a loan. Presentations should be concise but complete with the key information and analysis required for the rendering of a credit decision.  Unfortunately, loan presentations many times are poorly written, fail to clearly explain loan structure and lack key information for supporting the soundness of the loan. Thru out the training, we focus on the credit officer’s perspective and questions.  We attempt to better anticipate these questions in advance and verify that the presentation satisfactory answers these questions.
In the training, we look closely at the following types of loans:

  • CRE and C&I Term Loans
  • Seasonal Loans
  • Bridge Loans
  • CRE Construction Loans
  • Lines of Credit (Permanent Working Capital Loans)

How a loan presentation should identify the unique purpose, source of repayment and loan structure for each of these loans. What information should be within the presentations to address the questions and concerns of a credit officer.

Additional Topics Include: 

  • Structural Weaknesses - We identify the common structural weaknesses that examiners or credit officers view in some loans. How to verify that the presentation properly addresses these weaknesses.
  • Inadequate Financial Analysis - Poorly prepared presentations many times restate obvious changes in financial ratios or profit margins while failing to explain why the changes have taken place.  We identify examples of inadequate financial analysis and explore ways for improvement.
  • Inadequate Guarantor Analysis- Presentations many times include a guarantor’s financials but fail to discuss the typical questions that will be posed by the credit officer. Attendees review how the presentation should address these questions. 
  • Projected Cash Flow - How to anticipate and prepare for the questions typically asked by credit officers and examiners when reviewing cash flow projections.  We review the requirements for presenting cash flow projections for a Commercial Real Estate property.  And attendees also review a sample Global Cash Flow for a guarantor.
  • Business Risk & Management Evaluation - Within many presentations, lenders and analysts have difficulty in properly discussing business risk and the evaluation of management. We provide practical advice on improving this part of a loan presentation.
  • Collateral Valuation - Beyond real estate, we identify the necessary information that should be in a credit presentation to justify the potential collateral value of Accounts Receivable, Inventory & Equipment.

Credit Analysts, Lenders, Loan Operations and Loan Review 

Jim Shreve has conducted seminars for attendees from over 450 banks over the last 10 years. He has over 25 years in secured commercial lending  and credit administration including 10 years of extensive loan work-out experience with a major Texas based regional bank during the tumultuous 1980s.  He holds a Masters in Finance and a B.S. in Accounting.

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  $125 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.

Click here for hotel and area information

8/8/2024 8:30 AM - 4:30 PM
LBA/The Bankers Center 5555 Bankers Avenue Baton Rouge, LA 70808 UNITED STATES

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