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, credit analysts, loan documentation specialists, branch managers, assistant branch managers, personal bankers, and business development officers
Presenter
David L. Osburn, Osburn & Associates, LLC
David L. Osburn, MBA, CCRA, is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners. His extensive professional background of over 30 years includes 20 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. Mr. Osburn has also been an adjunct college professor for over 30 years including College of Southern Nevada.
Registration Details
Register for the entire 3-part series and $ave or pick and choose the session(s) that best meet your personal and professional learning objectives. You will receive connection information prior to the program. Registration deadline is one week prior to the offering.
Cancellation Policy: Written cancellation, email accepted, must be received on or before Friday, January 16, 2025, and will be subject to a $75 cancellation fee. NO refunds will be granted after Friday, January 16, 2025; however, a substitute may attend. ICBC reserves the right to cancel any program for which there is insufficient funds to cover the expense of the program. In the event of cancellation by ICBC registration fees will be refunded.
| |
Per Session(s) |
Per Session(s) Additional Registrants |
Series
(includes all 3 sessions) |
Series Additional Registrant(s) |
| ICBC Ed Program Member – Live |
$225 |
$175 |
$625 |
$575 |
| ICBC Ed Program Member – Live & Recorded |
$325 |
|
$725 |
|
| ICBC Member – Live |
$275 |
$225 |
$775 |
$725 |
| ICBC Member – Live & Recorded |
$375 |
|
$875 |
|
| ICBC Non Member – Live |
$385 |
$335 |
$1,105 |
$1,055 |
| ICBC Non Member – Live & Recorded |
$485 |
|
$1,405 |
|
