Jeffery W. Johnson
Senior Consultant
Jeffery W. 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.
Upcoming Webinar
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Recorded Webinar
Accounts Receivable and Inventory Financing
This course will cover Accounts Receivable and Inventory Financing risks, and present how a bank can prudently manage these risks. It will give a deeper understanding of how Accounts Receivable and Inventory can provide an adequate form of collateral to support borrowings for the purpose of financing inventory; financing acquisitions; restructuring debts and tiding companies through periods of growth and distress.
Recorded Session Get life time access for one participant with download option!

Ratio Analysis to Determine Financial Strength
Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Because interest and fee income from loans represent the largest source of revenue for financial institutions, thorough credit analysis must be performed before loans are approved and funded.
Recorded Session Get life time access for one participant with download option!

Writing Effective Credit Memos and Loan Narratives
The purpose of this course is to teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers' thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.
Recorded Session Get life time access for one participant with download option!

Current Expected Credit Losses (CECL): How to Calculate and Maintain a Proper Allowance
The Allowance for Loan and Lease Losses ("ALLL") represents one of the most significant estimates in an institution's financial statements and regulatory reports. It is a valuation reserve established and maintained by charges against the bank's operating income and is an estimate of loans that may be uncollectible. Because of its significance, each institution has a responsibility for developing, maintaining and documenting a comprehensive, systematic and consistently applied process for determining the amount of the ALLL and the Provision for Loans & Lease Losses.
Recorded Session Get life time access for one participant with download option!

Reviewing Loans and Mending Fences
This program begins with a discussion of those macro economic, industry, business and management factors that must be considered as part of loan portfolio management then followed by examining the quality of credit file documentation, which includes an assessment of the Credit Memorandum and Loan Documentation; then, followed by a discussion on effective management tools required to navigate the financial institution through today's challenges. Managing the loan portfolio in the face of these factors requires a different approach than in normal times. This two-hour program is designed for anyone with management responsibilities of a part or the entire financial institution's Loan Portfolio.
Recorded Session Get life time access for one participant with download option!

Changes to the Uniform Commercial Code: Not Again! Important Updates
Even though July 1, 2013 has passed, it is not too late for you to get up to speed with the changes to Uniform Commercial Code. Now is the time to catch up!<br/><br/> Many loans extended by commercial banks are secured by personal property which is governed by Revised Article 9 of the Uniform Commercial Code. It is important for Commercial Lenders, Consumer Lenders and Loan Administrators to understand Revised Article 9 under the Uniform Commercial Code as it relates to collateral attachment and perfection. This webinar will provide an overview of Revised Article 9 and will focus on the most relevant factors bankers and administrators need to know in order to "Attach" and "Perfect" the most common forms of personal property.
Recorded Session Get life time access for one participant with download option!

Writing Effective Credit Memos and Loan Narratives
The purpose of this course is to teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.
Recorded Session Get life time access for one participant with download option!

UCC Uniform Commercial Code
This course will provide an overview of Revised Article 9 and will focus on the most relevant factors bankers and administrators need to know in order to "Attach" and "Perfect" the most common forms of personal property. The course will focus less on theory and more on the practical application of the rules under Revised Article 9 including: Types of personal property covered by Revised Article 9 and their legal definitions; Preparing all UCC Financing Statements Forms properly to insure perfection; Utilizing the proper collateral descriptions on Security Agreements and Financing Statements; Filing the Financing Statements in the proper location and other areas of concern.
Recorded Session Get life time access for one participant with download option!

Seven Habits of Effective Credit Admin in Commercial Banks
This course is intended to provide guidance on how to develop and maintain a Credit Administration function that will provide guidance to anyone involved in the credit function of the bank and to insure safeguards are in place to manage the bank's loan portfolio in a safe and sound manner. This principle is paramount especially in this economic environment and close scrutiny being applied by the regulatory authorities.
Recorded Session Get life time access for one participant with download option!

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