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CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
Credit
(Risk) Analysis is one of the most important functions performed by
financial institutions. Since interest and fee income from loans represent
the largest source of revenue for financial institutions, it is vital that
thorough credit analysis be performed before loans are approved and funded.
The
Credit Analysis process starts with spreading historical financial
statements and then calculating key ratios to determine the financial
health of an organization. The purpose of this course is to expose the
participant to the five vital signs of any organization and the required
ratios to identify them. A detailed identification and definition of ratios
will be covered.
Covered
Topics:
- Liquidity
- Current / Quick Ratios
- Working Capital Analysis
- Defensive Interval Ratio
- Activity Ratios for Working Capital Assets
- Activity Ratios for Working Capital Liabilities
- Leverage
- Ratios to Measure the Proportion of Support
Provided by Owners and Creditors
- Asset Management
- To Measure the Ability of Management to Utilize
Their Assets to Generate Sales and Profits
- Operations
- Performance Ratios to Measure the Relationship
Between Sales, Costs and Expenses and How Their Changes Affect the
Bottom Line
- Cash Flow
- Uniform Cash Analysis to Determine the Sources and
Uses of a Firm’s Cash as a Means of Serving Long-Term Debt
You’ll
leave with a deeper understanding of ratio and credit analyses during the
underwriting process. This translates into well-organized, clearly written
credit memoranda so you’ll be more confident explaining trends and the
financial impact on customers and prospects.
Who
Should Attend?:
- Credit Analysts
- Commercial Lenders
- Consumer Lenders
- Senior Credit and Loan Officers
- Loan Review Officers
- Auditors
- Directors
- Branch Managers
Please
forward email to appropriate person(s).
Instructor:
Jeffery
Johnson started his career
with SunTrust Bank in Atlanta as a Management Trainee and progressed to
Vice President and Senior Lender of SouthTrust Bank and Senior Vice
President and Commercial Banking Division Manager for Citizens Trust Bank
of Atlanta. Most of his career has been spent in Credit Administration,
Lending, Business Development, Loan Review, Management and Training &
Development. He has managed loan portfolios representing a cross section of
loan types including: Large Corporate, High Net Worth Individual, Middle
Market Companies, Small Business, Real Estate and Non-Profit Organizations.
Mr. Johnson is now a training professional in the financial industry by
leading various seminars covering important topics relating to issues in
financial institutions. He teaches actively for fifteen state banking
associations in the United States, Risk Management Association (RMA) and
individual financial institutions nationwide. He co-authored a training
course entitled "Lending to Service and Other Professional
Organizations" for RMA in 2001. Mr. Johnson earned a B.A. Degree in
Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll
University in University Heights, Ohio; Banking diploma from Prochnow
School of Banking at the University of Wisconsin and a Graduate Certificate
in Bank Management from the Wharton School of Business at the University of
Pennsylvania.
What
Is A Webinar?:
A
webinar combines the clarity of an audio teleconference with the
interactivity and visual presentation of the internet. All you need to
participate is a telephone and an internet connection. Even if you don't
have an internet connection, you can still participate in the audio
session. Listening to the program over the telephone and following the
written materials is an effective alternative!
Unable
To Attend?:
No
problem. You can purchase a recording of the webinar for future use. You
can choose from either an On-Demand Web Link (Good for 6 months from the
webinar date, unlimited use) or a CD-ROM (includes a paper copy of the
PowerPoint slides).
Viewing
Options (all options include applicable handouts):
All
options include applicable handouts. You can choose to pay by credit card
or be billed. Additional Live Webinar connections are $75 each.
Option 1: Live
Webinar and 7 Days OnDemand Video Playback - $265
Option 2:
OnDemand Video (six months access) - $295
Option 3: Live
and 6 Months of OnDemand Video - $365
Option 4: CD-ROM
Video (Includes OnDemand Video) - $345
Option 5: Entire
Package (all of the above) - $395
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