The Wisconsin RMA Chapter presents a special workshop:
Writing About the Risk …
Elements of an Effective Credit Analysis
Friday, MAY 20, 2016, 8:30 a.m. – Noon
Kalahari Conference Center – Wisconsin Dells, WI
Presented by the RMA Wisconsin Chapter
This presentation builds on the Wisconsin RMA Chapter’s popular course “Essentials of Effective Loan Presentations.”
AND…Expands the discussion of the purpose, content and structure of a written credit analysis
Seminar Description
The following may find this workshop
beneficial:
There are few formal training courses for teaching lenders and credit analysts
about how to write an effective credit analysis. Often, the process of creating
a credit analysis is learned via incomplete “on the job training.”
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The credit analysis narrative portion of a loan presentation should be a critical
element in relating the credit risk in a credit request. Following are some of
the topics that will be covered:
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Purpose of a written credit analysis
Relating credit analysis to risk evaluation
Understanding why “working capital” is not a loan purpose
What to look for in financial statements and how to translate it to a
written analysis
How to use ratios as an element of a written credit analysis
How the use of industry averages/comparisons is an often ignored
tool
Industry / competition comments
Understanding the importance of trend analysis
Written analysis of projections
How a well done written credit analysis is a bridge to determining
credit structure
Using a simple cash flow worksheet to quickly identify sources and
uses of cash
Learn the rules of “trends, sudden changes and aberrations”
Learn the rule of “never write a what without a why.”
How all the tools can produce a critical summary of the borrower
strengths and weaknesses
Examples will be provided
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Senior lenders who would like to
review or improve current written
credit analysis.
Credit analysts who would like more
formal training on written credit
analysis
Lenders who want to improve the
written analysis portion of their loan
presentations and facilitate more
efficient communications with credit
analysts.
Speaker - Gary D. Maples
President, River Edge Consulting LLC,
Sheboygan Falls, Wisconsin
Gary currently provides
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consulting services (in the lending/credit
administration areas)
expert witness services
and all types of credit training.
Previously Gary was a District Bank President
with thirty years experience in commercial
lending, credit analysis, loan and credit
administration, loan workouts and bank
management.
Other Teaching Experience includes: WI, IA,
IL, KS, KT, MI, MN, NY, OH, and PA Bankers
Assoc.; KS/NE Schools of Banking; Pacific
Coast Banking School; Stonier Graduate School
of Banking; Graduate School of Banking at the
UW; Czech and Romanian Banking Institutes;
ABA’s National Graduate Lending School.
General Information
8:30 a.m.:
Registration
9:00 a.m. - Noon:
Seminar
Fees: $155 per person
Continuing Education: three CRCs are available for this program
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REGISTRATION FORM: Writing About the Risk – May 20, 2016
Name:____________________________________ Title:_______________________ E-Mail:_________________________
Name:____________________________________ Title:_______________________ E-Mail:_________________________
Name:____________________________________ Title:_______________________ E-Mail:_________________________
Bank:_________________________________
Address:____________________________________________________
City:_________________________________ State:_________ Zip:____________
Phone:___________________________
Total: $_________________ (Based on fees listed above)
To Register : fill out the form above and mail with payment to UWSP/Continuing Education, 2100 Main St. 032 Main,
Stevens Point, Wisconsin 54481 or register online at www.uwsp.edu/conted/confwrkshp/pages/lenders.aspx