Writing Effective Credit Memos and Loan Narratives 2015

Key Topics

• Breaking writing into single ideas
• The purpose of a paragraph
• Writing topic sentences which represent the main idea
• Maintaining a uniform and orderly pattern - paragraph structure
• Balance sheet analysis, income statement analysis, cash flow analysis
• How to ensure each sentence contributes to the purpose
• Using analysis to determine the financial impact of changes in financial factors
• Calculating and interpreting financial ratios and cash flow
• Outline of relevant factors to include in a credit memorandum
• Questions to raise with the customer after the credit analysis is complete
• Apply the concepts to a study case
• How to report your findings efficiently and effectively in the credit memorandum
• Primary and secondary source of repay, written repayment program
• Purpose and basis of the credit
• Identifies strengths and weaknesses
• Conformity to credit policy and addressing the five Cs of credit

Who should Attend

• Consumer Loan Officers
• Commercial Loan Officers
• Loan Review Personnel
• Credit Analysts
• Internal Auditors
• Compliance Officers
• Branch Managers