Analysis Courses

These programs are designed to provide lenders and analysts the tools required to understand and use financial information provided by borrowers. The keys to producing high quality analysis is being able to understand the actions or inactions of your borrower’s management team. We then must be able to ask the borrowers the “Right” questions. The goal is to measure risk, develop loan structure, and the capacity to repay the loan. The Loan Officer/Analyst must be able to communicate that information to Loan Committee and the customer. Ultimately, good Loan Officers are able to provide value-added information that allows their borrowers to make better business decisions. Specific topics to be covered include:

• Review of Accounting
• Ratio Analysis
• Borrowing Causes
• Cash Flow Analysis (Direct and Indirect)
• Projections

BENEFITS OF ATTENDENCE
• A better understanding of risk factors
• The ability to identify the activities that cause the need for cash
• The skills to write better credit memos
• The ability to provide consulting services to your clients

WHO SHOULD ATTEND?
• Credit Analysts
• Commercial Lenders
• Loan Review Officers
• Credit Administrators
• Branch Managers
• Relationship Bankers