2024 CCBN Credit Analyst School

SOLD OUT!

Registration is now closed as this course is full, but a waiting list is available for next spring with the date and SoCal location TBD. E-mail Laurie Eaton to be added to the waiting list. 

Overview

This is an introductory course designed to address the needs of beginning credit analysts and reinforce the credit skills of current credit analysts in all aspects of credit analysis. It begins with understanding your role as a credit analyst within the evolving financial institution industry and proceeds into answering the question, “ How financially healthy are our borrowers and can they withstand pending financial challenges?”

The course will build upon your core understanding of financial accounting and the fundamentals of credit analysis to take you to the next level of performing a deeper analysis.

Participants will:

• Understand the Role of Commercial Banks and the Duties and Responsibilities of the Credit Analyst
• Identify Industry, Business and Management Risks and the Various Business Economic Cycles and How They Affect Industries and Businesses
• Detailed Review of the Major Accounts on Financial Statements for:
  • Commercial and Industrial Relationships
  • Commercial Real Estate Relationships
• Best Practices to Spread Financial Statements
• Know How to Review and Analyze Corporate Tax Returns
• Calculate credit related ratios to determine:
  • Liquidity
  • Leverage
  • Asset management capabilities
  • Operating performance
• Complete a Cash Flow Analysis Utilizing the Uniform Cash Analysis (UCA) method and
• Compare Results with the Traditional, EBITDA Methodologies Commonly Used be Banks
• Convert Management’s Future Assumptions into A Projected Income Statement, Balance Sheet And Cash Flow Analysis Statement
• Sensitize Management’s Assumptions to Create A More Conservative Financial Forecast
• Determine A Sustainable Sales Growth Level for The Client

AGENDA TIMING

Class begins at 8:30 each day and finishes at 4:30. A buffet breakfast will be available in our room an hour before the class starts and lunch is provided each day around noon. At the end of Day 3 we have our Final Exam, please book your travel accordingly, so you do not have to leave early.

AUDIENCE

Credit Analyst, Junior Commercial Loan Officer, New Relationship Manager, Business Banker, Loan Underwriter, Loan Support Officer, Loan Review Analyst, Credit Support Officer, Credit Administration, Portfolio Manager, Business Development Officer, Loan Officer Trainee, Branch Manager, Universal Banker, Financial Services Officer

PRESENTER

 Jeffery W. Johnson, Principle, Bankers Insight Group is a training professional in the banking industry leading various seminars covering important topics relating to issues in banking. He teaches actively for 20 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

 Jeffery 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.