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CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
Imagine
finding yourself suddenly in a senior credit administration position at
your bank due to required personnel changes as a result of frequent credit
losses; Or, your bank’s credit administration seems disconnected,
un-organized and free flowing and lacks effective management oversight; Or
you are in a lending position and the credit administration function at
your bank fails to provide structure, guidance and leadership. If any of
these scenarios point to you or your financial institution, this course
will address the factors you need to know to make a positive difference in
the credit administration at your bank.
Specifically,
this course is intended to provide guidance on how to develop and maintain
a Credit Administration function that will provide guidance to anyone
involved in the credit function of the bank and to insure safeguards are in
place to manage the bank’s loan portfolio in a safe and sound manner. This
principle is paramount especially in this economic environment and close
scrutiny being applied by the regulatory authorities.
There
are seven distinct characteristics well managed and successful banks have
in their Credit Administration area. This course will evaluate the
reasoning and requirements for each of these characteristics so that the
participant can begin the process of developing such a culture within their
respective organization.
The
Seven Characteristics are as Follows:
- Well Defined Credit Culture Established and
Supported by: An Effective Loan Policy
- Highly Effective Risk Assessment and Credit
Underwriting System by: Choosing the right personnel to be Credit
Analysts, Lenders or Loan Administrators Knowing how to balance Risk
and Rewards through proper credit, ratio and cash flow analysis
Knowing how to report risk assessment by writing effective credit
memoranda
- Highly Effective Credit Committee that: Considers
all pertinent information Allows members to express their opinion
“freely” Records Minutes that matter
- Utilize Credit Risk Rating to Identify Risk in the
Loan Portfolio by: Clearly defining credit grades and applying them to
various types of borrowers Utilizing a clear, objective and measurable
loan grading system
- Loan Documentation Procedures that will: Identify
the Borrower’s legal structure Identify, value and properly classify
the collateral (emphasizing appraisal reviews) Evidence the debt
outstanding. Attach the bank’s security interest in the collateral
Perfect the bank’s lien position in the collateral
- Effective Loan Portfolio Management by: Defining
the expectations of loan officers in the management of their loan
portfolio Using Loan Agreements, Covenant Compliance Reports and other
monitoring tools to manage the loan portfolio Adopting prudent
commercial real estate loan workout strategies for problem loans
- Calculating and Maintaining an Adequate Allowance
for Loans and Lease Losses Reviewing and Documenting the ALLL
methodology
At the
end of this session, the participant will have a good road map to build and
manage an effective credit administration area of the bank and to satisfy
regulators’ requirement to operating a safe and sound bank from a credit
risk perspective.
Who
Should Attend?:
- Directors
- CEOs & Presidents
- Chief or Senior Credit Officers
- Chief or Senior Loan Officers
- Commercial Loan Officers
- Bank Accountants
- Branch Managers
- Consumer Loan Officers
- Loan Review Personnel
- Consumer Lenders
Please
forward email to appropriate person(s).
Instructors:
Jeffery
W. 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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