Writing Credit Presentations

WCP 2401   Tuesday, 2/27/24

WCP 2402   Thursday, 2/29/24

 9 am to 5:00 pm (Central Time)

Seminar being offered on two different dates to better fit the schedules of attendees.

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Training for credit analysts, commercial lenders & underwriters on writing credit presentations.  Attendees learn how to prepare presentations that clearly describe the loan request, the borrower’s ability to repay the loan, the proposed loan structure and overall credit risk.  Special attention is devoted to anticipating and preparing for questions posed by credit officers and possibly examiners when reviewing loan presentations.

Seminar Background

Commercial credit presentations should reflect a lender’s reasoning and the basis for recommending approval of a loan.  Presentations should be concise but complete with the key information and analysis required for the rendering of a credit decision.  Unfortunately, loan presentations many times are poorly written, fail to clearly explain loan structure and lack key information for supporting the soundness of the loan.

Thru out the training, we focus on the credit officer’s perspective.  We attempt to better anticipate these questions in advance and verify that the presentation satisfactory answers these questions. 

Agenda
In the training, we look closely at the following types of loans:

• CRE and C&I Term Loans
• Seasonal Loans
• Bridge Loans
• CRE Construction Loans
• Lines of Credit (Permanent Working Capital Loans)

How a loan presentation should identify the unique purpose, source of repayment and loan structure for each of these loans.  What information should be within the presentations to address the questions and concerns of a credit officer.

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Additional Key Topics

Structural Weaknesses

We identify the common structural weaknesses that examiners or credit officers view in some loans. How to verify that the presentation properly addresses these weaknesses.

Inadequate Financial Analysis

Poorly prepared presentations many times restate obvious changes in financial ratios or profit margins while failing to explain why the changes have taken place.  We identify examples of inadequate financial analysis and explore ways for improvement.

Inadequate Guarantor Analysis

Presentations many times include a guarantor’s financials but fail to discuss the typical questions that will be posed by the credit officer. Attendees review how the presentation should address these questions. 

Projected Cash Flow

How to anticipate and prepare for the questions typically asked by credit officers and examiners when reviewing cash flow projections.  We review the requirements for presenting cash flow projections for a Commercial Real Estate property.  And, attendees also review a sample Global Cash Flow for a guarantor.

Business Risk & Management Evaluation

Within many presentations, lenders and analysts have difficulty in properly discussing business risk and the evaluation of management. We provide practical advice on improving this part of a loan presentation.

Collateral Valuation

Beyond real estate, we identify the necessary information that should be in a credit presentation to justify the potential collateral value of Accounts Receivable, Inventory & Equipment.

• Approximately 2 days before the seminar, attendees will receive an email with the handouts for the training. Prior to the seminar, the handouts should be printed and available doing the training.
   
• Due to the Power Point presentations and additional visual material presented in the training, attendees should have a computer with monitor & video cam for attending the training. (Cell phones are simply not adequate)

• Request that attendees verify that their computer video and audio system is working properly prior to the training. (The training will be held in a Zoom meeting) In order to participate in the training, attendees will be required to have their video turned on at all times.

• Attendees may not record the video or audio of the training.

Register for Writing Credit Presentations