This webinar will cover the basics of how to craft an effective
commercial loan write-up.
The session will begin with a brief overview of
loan write-ups or
credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation).
The
financial analysis section will highlight “liquidity, activity, leverage, operating performance, and cash flow analysis.” Additionally, the “Z-score” bankruptcy predictor will be reviewed.
The session will also cover additional important
loan write-up items including assessing the company’s
strategic plan- “marketing, financing, and management.” Also, the “risk assessment and mitigation” section will be used to summarize the loan presentation.
Three “standard” commercial loan write-ups will be presented in order to illustrate the concepts.
Objectives:
- Review effective commercial loan write-ups
- Discuss types, styles, and components parts
- Cover the financial analysis section
- Assess the company’s strategic plan and management’s strengths/ weaknesses
- Analyze the risk assessment and mitigation section as a summary of the loan presentation
- Summarize the concepts by reviewing three loan write-ups
Audience
Commercial lenders, relationship managers, credit analysts, private bankers, and business development officers
Presenter
David L. Osburn, Osburn & Associates, LLC
David Osburn is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO firm that specializes in providing seminars, webinars, and keynote speeches to CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, Management Issues. David also functions as a Contract CFO and works with medical practitioners, CPA firms, construction companies, financial institutions, and real estate developers. He has been an adjunct college professor with over 30 years of teaching experience. David’s extensive professional background encompasses over 24 years as a Business Trainer/Contract CFO and 16 years in banking (commercial lending) including the position of Vice President/ Senior Banking Officer. His banking credentials include loan underwriting, customer development, management, and loan “workout.”
David has an MBA in Finance/Marketing from Utah State University and a BS degree in Finance from Brigham Young University. He is also a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, he holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).
Registration Details
Registration fee is per person. The webinar will be conducted
via Zoom. You will receive connection information prior to the program. The registration deadline is Friday, November 6, 2026.
Cancellation Policy: Written cancellation, email accepted, must be received on or before Monday, November 2, 2026, and will be subject to a $75 cancellation fee. NO refunds will be granted after Monday, November 2, 2026; however, a substitute may attend. ICBC reserves the right to cancel any program for which there are insufficient funds to cover the expense of the program. In the event of cancellation by ICBC registration fees will be refunded.
| |
Per Session(s) |
| ICBC Ed Program Member – Live |
$225 |
| ICBC Member – Live |
$275 |
| ICBC Non Member – Live |
$385 |
