Who Should Participate
This two-part course is designed to assist lenders with more than 12 months experience or individuals who may have formal commercial credit analysis training to assess credit risk. The lender's viewpoint is stressed through the use of practical examples and class discussions.
Description
This course will be presented via Zoom. It will enable students to apply proven credit analysis methods, including financial statement quality, key ratios and cash flow assessment. Current economic conditions will be discussed and highlighted relative to credit analysis approaches. Topics include:
- Motivations of borrowers and lenders in the loan transaction
- Understanding the quality levels of financial statements
- Credit analysis tools, including key financial ratios, sources and uses of cash and cash flow
- Sources and uses of cash, cash flow, and cash budgets when assessing a borrower's ability to repay a loan
- Appropriate loan structure approaches given specific borrower credit needs
- Functions and operations of the Federal Reserve
- Overview of current economic conditions and potential impact to borrowers
- Roles and considerations of credit policy and policy exceptions
- Review of credit examples which will reinforce course topics and tools
Presenter
Gary Higgins has over 20 years as a class leader with expertise in credit risk management, commercial lending, credit analysis, and other credit-related topics. He is currently on the faculty of the Graduate School of Banking at Louisiana State University and the Virginia Banker's School of Bank Management at the University of Virginia. As an instructor to banking professionals of all skill levels, Gary is focused upon the student's understanding of the fundamentals of credit risk and their application to advanced topics and current-day credit environments. Specific focus is given to the lessons learned from the most recent credit cycles, the causes of bank failures and credit risk control environments experienced through the Great Recession, and the practical approaches credit professionals can use today to understand and limit credit risk. Gary had a 29-year career with Bank of America, encompassing 22 years risk management and seven years commercial lending and credit risk management experience. He has an extensive background in credit risk, credit review, audit, change management, and technology and operations. He holds a B.S. in Finance and is Six Sigma Green Belt certified. Gary's teaching style is relaxed, personable, and focuses on the needs of the student.
Registration Fee
| Member: |
$295.00
|
| Each additional person from same bank |
$255.00 |
| Qualified Non-Member |
$590.00 |
Note: You will be given the option to pay by credit card or to invoice your company during the checkout process.
You will receive the webinar link the day prior to the webinar. Please note: Each link is uniquely coded and may only be used by the individual registered for the course. We ask that you do not share the link, and reserve the right to remove unregistered attendees.
Dates & Times
Module 1 - February 2, 2021
9:00 AM - 12:00 PM
Module 2 - February 3, 2021
9:00 AM - 12:00 PM
Location
At Your Desk
Cancellation Policy
The MBA reserves the right to cancel programs due to insufficient enrollment, instructor illness, or other reasons. Participants wishing to cancel must inform the MBA in writing prior to the event. Send cancellation notices to maryh@minnbankers.com. A cancellation fee of 25% of the program cost will be charged for withdrawing, or you may send a substitute. The full program fee will be charged for withdrawing after the event has taken place or a no-show.
Photo Release
By registering, you hereby grant the MBA permission to use your likeness in a photograph, video, or other digital media in any and all of its publications or promotional materials, without payment or other consideration.