Analytical Decision Tree and the Credit Write-Up

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In this 1st course of the Commercial & Industrial Business Underwriting Skill Series, participants will identify four essential credit write-up issues, explore credit decision steps, examine financial statements, assess borrower interview comments, and identify key personal traits and competitive advantages for business success.
 

Schedule

Currently there are no live webinars on the calendar.

On-Demand

On-Demand

Certificate

1 credit or $295

Cost

1.5 - 2 Hrs.

Duration

1 hr.

Prep Time

1

Quiz

Overview

In the first webinar session, participants identify the four essential issues that must be addressed in every credit write-up and explore the sequential analytical steps in the credit decision process. They examine the financial statements for a prospective borrower, assess interview comments by a second prospective borrower, explore the personal characteristics necessary for business success, and identify the generic sources of competitive advantage for a business.

Who Should Take This Course

This Course is ideal for participants currently in or aspiring to enter the following job functions:

  • Credit Management
  • Commercial Credit Administration
  • Commercial Loan Portfolio Management
  • C & I Lending
  • Special Assets
  • Credit Analysis
  • Loan Review

Prerequisites

Familiarity with accrual financial statements and accrual financial statement terminology.

Objectives

By the end of the webinar session, participants will be able to:
  • State and explain the four essential analytical issues that must be addressed in every credit write-up, regardless of borrower, business organization, industry, or proposed credit facilities.
  • State and explain the sequential analytical steps that assure each of the four essential issues are addressed in the analytical process leading to a credit decision.
  • Identify areas of concern that may emerge from examination of a set of financial statements for a real estate developer and determine the apparent severity of the risk issues and their implications for company management.
  • Identify areas of personal and business concern that emerge from an audio interview with the CEO of a flooring design and installation company and determine the apparent severity of the risk issues.
  • State the generic sources of competitive advantage and identify the specific sources of competitive advantage, if any, for the flooring business.
  • Assess the personal qualities, competitive advantages, and apparent financial risk issues in establishing an initial acceptable or unacceptable risk profile for a borrower or prospective borrow.

Materials(access provided with registration)

  • Credit Refresher on The Credit Write-Up
  • "The Junkyard Dog" and "Strategy" from Shockproof! 6 Essentials for Business Success in Good and Bad Times
  • Financial Statements for Sequoia Properties
  • Transcript of Initial Interview with Larry Crevin
  • Exercise for the Session 1 Webinar
  • Webinar Presentation Slides
  • Webinar Poll Questions
  • Webinar Poll Solutions
  • Exercise Solutions
 
This is Course 1 of 8 in the Commercial & Industrial Business Underwriting Skill Series
Analytical Decision Tree and the Credit Write-Up
Financial Statement Review and Ratio Analysis
Cash Flow Analysis and Borrowing Causes
Projected Cash Flow, Management Assessment and the First Way Out
Guarantor Analysis and the Second Way Out
Non-Financial Red Flags and Performance Implications
Identifying and Mitigating Repayment Risks
The Credit Write-Up Again
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