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Writing an Effective Credit Memorandum for a Successful Outcome

After a detailed credit analysis of a borrower has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications within the banking industry utilized to present a loan request, identify the benefits and risks, and to make a loan recommendation.

Upcoming
DATE

Monday, June 22, 2026
2:30 pm - 4:30 pm

INSTRUCTOR

Jeffery Johnson

FORMAT

Webinar

$299.00 or 1 Token

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

  • Accounting/Reporting
  • Commercial/Business Lending
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Reporting
  • Bank Legal Counsel
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • Private Banker
  • Risk Manager
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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In writing effective credit memoranda, it is not what you say that commands attention, but how you say it. Credit memoranda serve three functions:

  • they provide information on the condition and status of a customer relationship
  • they provide a record of thoughts and actions
  • they support or recommend action

The purpose of this course is to teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.

What You'll Learn

  • How to Plan and Organize the Credit Memorandum
  • How to Present Relevant information Without Omitting Important Facts
  • How to Write in a Concise Manner Utilizing Outlines, Paragraphs Bullet Points and Highlights
  • How to Interpret the Results of Credit Ratio and Cash Flow Analysis and to Explain them with Clarity to Readers
  • How to Interpret Financial Ratios and Cash Flow Analysis and Report Them in a Credit Memo
  • Know What Important Financial & Non-Financial Factors to Include in the Credit Memo
  • View Standard Credit Memo Outline for Commercial Real Estate Transactions

Who Should Attend

This session is ideal for Senior Loan Officers, Senior Credit Officers, Board of Directors, Commercial Real Estate Officers, Commercial Loan Officers, Consumer Loan Officers, Credit Analysts, Loan Review Personnel, Compliance Officers, Internal Auditors, and Branch Managers

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.

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