Commercial & Industrial Credit Analysis to Determine Financial Strength

This course is designed to address the needs of bankers and credit analysts by reinforcing their credit analysis skills. It begins by identifying the five vital financial factors faced by all commercial and industrial borrowers including: Liquidity, Leverage, Asset Management, Operations and Cash Flow. It then progresses into how to determine each factor through ratio analysis.

Monday, August 5th, 2024
1:30 pm - 3:30 pm
Presented by Jeffery Johnson
$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Auditing
  • Lending
  • Risk Management/Legal
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Credit Analyst
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Risk Manager
  • Senior Management
  • Training Manager
  • Trainer

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When the ratios are calculated covering the five vital financial factors, the course will instruct the participants on how to interpret each ratio and determine the financial impact on changing ratios and other metrics. It will also show how to utilize these ratios to structure short-term loans and improve the participants’ ability to:

  • Recognize the true borrowing causes over a period of time and not just the borrowing purpose
  • Make better loan decisions
  • Compose an effective credit memorandum

What You'll Learn

  • How to Calculate and Interpret Ratio Analysis and the Impact on Cash Flow from Changing Metrics over a Period of Time
  • How to Calculate and Interpret Cash Flow Analysis Utilizing the Modified Uniform Cash Analysis Method to Determine the Major Inflows and Outflows of Cash
  • How to Utilize All of These Techniques to Structure Short-Term Loans and to Write a More Effective Credit Memorandum

Who Should Attend

This session will be beneficial for Board of Directors members, Senior Credit Officers, Senior Loan Officers, Chief Financial Officers, Commercial Lenders, Consumer Lenders, Loan Review Officers, Credit Analysts, Branch Managers, and other Credit Officers.

Jeffery Johnson

Instructor Bio

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.