Crafting an Effective Commercial Loan Write-Up & More
The first part of this virtual program will cover the basics of how to craft an effective commercial loan write-up. This section will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation). The financial analysis section will highlight liquidity, activity, leverage, operating performance, and cash flow analysis. The session will also cover additional important loan write-up items including assessing the company’s strategic plan- marketing, financing, and management. Three commercial loan write-ups will be presented in order to illustrate the concepts. The second part of the session will review loan committee presentation skill building techniques that include the do’s & don’ts of loan committee, reading the personalities of the committee members, understanding the difference between an outside versus inside committee member, and exploring group dynamics. Additionally, tips and techniques will be displayed on how to make a clear, concise, and motivating presentation and overcome the fear and intimidation factor. This section will also cover the supporting disciplines of negotiation skill building, communications, and personal marketing. The presentation concepts will be reinforced through case studies.
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