Writing an Effective Credit Memorandum-It's not What You Say But How You Say It

Duration: 60 Minutes
Credit memoranda serve as the primary means of communication in the banking domain. It covers three functions: providing details on customer relation status, record actions and thoughts, and recommend or support action. An effective memorandum is not about what you say, but how you say it, for commanding attention.
Writing an Effective Credit Memorandum
Instructor: Jeffery W. Johnson
Product ID: 502246
Objectives of the Presentation
  • Interpretation of Ratio Analysis
  • Interpretation of Cash Flow Analysis
  • Knowing how to plan and organize the Credit Memorandum
  • Knowing the key areas to cover in a Credit Memorandum for a Commercial & Industrial relationships
  • Know how to make your reports appealing for someone to read
  • Know how to identify the primary and secondary reading audience and know their expectations
Why Should you Attend
Join industry expert Jeffery W. Johnson as he helps you develop your skills in writing an effective credit memorandum that places emphasis on the important factors without the need to state the obvious. You will be exposed to underwriting on Commercial & Industrial Loans and various types of Commercial Real Estate Loans including: Acquisition and Development Loans, Multi-Family and Office Building Construction Loans.

You will be provided with examples of proven credit memos to ensure you are covering all the areas covered by banking regulations. Strengthen your understanding of the credit analysis and clearly describe the financial impact of changes in financial factors, reporting more than just what has changed.

Who will Benefit
  • Commercial Loan Officers
  • Consumer Loan Officers
  • Credit Analysts
  • Loan Review Personnel
  • Compliance Officers
  • Internal Auditors
  • Branch Managers
  • Participant should have some experience or prior class work in analyzing financial statements and/or credit analysis
  • Human Resource Directors
  • Credit Risk Managers
  • Real Estate Managers
  • Risk Management Officers
  • Administrative Assistants
  • SVP Regional Loan Officers
  • SVP Retail Credit Managers
  • Lending Analytics Managers
  • Bank Officers
$200
Recorded Session for one participant
Get life time access with download option!
Book this course
Pay Now
  $250.00 Training CD
Free shipment within 4 Working Days of placing the order. Get life time access for unlimited participants.
  $300.00 Training USB Flash Drive
Free shipment within 4 Working Days of placing the order. Get life time access for unlimited participants.
For multiple location please contact our customer care team +1-510-857-5896.
How it works
Live Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • The webinar joining link, username and password for joining the webinar will be updated on your OCP Account 24 hours prior to the webinar
  • Presentation handouts in Downloadable PDF format will be updated on your OCP Account 24 hours prior to the live session
  • Login to the audio conference on the scheduled date and time
  • Get answers to your queries through interactive Q&A sessions via chat at the end of the session
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account 24 hours after the completion of the session
  • Please let us know your thoughts and views at the end of the webinar, your valuable feedback will help us improve
Recorded Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
  • Please click on the link to access the Recorded Session
  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account after 48 hours of the product Purchase
  • Please share your valuable Feedback at the end of the session
Instructor Profile:
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.
View More