New WBA Program for In-Depth Study of Credit Analysis

Staying on top of your credit analysis game is more important than ever. As we near the end of another economic cycle, credit quality becomes ever more critical for increasing your bank's profits without increasing your risk of losses—making sound credit decisions has never been more important. In addition, as technology transforms the banking industry, high-performing credit analysts do what no computer algorithm can do (at least today). They read the story behind the ratios, identifying the most meaningful numbers and understanding the impact those numbers have on the creditworthiness of a potential borrower. It's not an easy task.

That's why WBA developed the brand-new Credit Analysis Boot Camp, a two-day course designed to enhance your credit analysis skills. The boot camp is a valuable addition to the progression of WBA's other lending schools: Introduction to Commercial Lending School and Commercial Lending School. "The new program focuses directly on the skills necessary for credit analysis, and our other schools combine concepts of commercial lending with credit analysis," said WBA Director – Education Lori Kalscheuer. "We will continue to offer our existing commercial schools, and we strongly believe that this new program will compliment them." 

Bankers who attend the boot camp will learn from instructor David L. Osburn, MBA, CCRA, founder of Osburn & Associates, LLC, business training and contract CFO firm that provides seminars, webinars, and keynote speeches for bankers and other professionals. Osburn's extensive professional background of over 30 years includes 19 years as a business trainer/contract CFO and 16 years as a bank commercial lender. His banking credentials include loan underwriting, loan work-out, management, and business development. Additionally, he holds the professional designation of Certified Credit and Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).

Develop a Well-Rounded Knowledgebase

Since banks sometimes assign pieces of the credit analyst role to other job titles, Osburn and WBA customized the boot camp curriculum so a wide range of bank positions will benefit from this training. Credit analysts, commercial lenders, relationship managers, private bankers, branch managers, and business development officers will all find value. What's more, a classroom full of bankers with different backgrounds, experience, and roles within the bank will enhance the quality of the program for everyone, according to Osburn. "The more diverse the group, the better the learning experience, for both me as the instructor and for the students," he said. 

The Credit Analysis Boot Camp will address key concepts and topics valuable for both veteran and newbie credit analysts, covering the basics while also making connections between concepts from other roles within the bank. "This boot camp is not just for new bankers," Osburn explained. "For more experienced bankers, the class will help connect the dots between what you already know and your new role as a credit analyst or commercial lender." The boot camp will be a helpful deep-dive into a critical skillset for commercial lending, so bankers new to that role may want to consider adding it to their professional development plan. "Some bankers might find it useful to attend all three WBA commercial lending programs over time for the most well-rounded education," Kalscheuer recommended. 

For experienced commercial lenders, the boot camp is an excellent opportunity to brush up their skills and stay up to date on significant industry changes. One of the biggest for the field of credit analysis is the recently passed tax reform law. The first set of tax returns impacted by the new law will show up on credit analysts' desks this coming spring, and the new boot camp will prepare them for the changes. "The new law has extensive impact on credit analysis," said Osburn. "It's a major update."

In addition to the tax overhaul, bankers attending the Credit Analysis Boot Camp will: review lending basics such as the 5 C's of Credit and the role of the credit analyst in the lending decision; explore key ratio analysis including a five-step analysis plan to calculate key ratios, the Z-score, and "negotiating" with other financial professionals; discuss basic personal tax return analysis, inducing topics such as the personal 1040, analysis techniques to use in preparing a personal cash flow, and how the 1040 tax return can be used to market the bank's products and services; and learn the basics of business tax return analysis, including discussion of the structure of a C-corporation, S-corporation, and Partnership tax return, preparing business entity cash flows, and drawing additional information from the business returns including identifying fraudulent returns. The hands-on, interactive course also involves case study analysis and classroom discussions. 

Attendance Details

The Credit Analysis Boot Camp will be held in two locations, each with an enrollment limit of 40 registrants—so register soon! 

March 14-15, 2019 | Madison
March 28-29, 2019 | Green Bay

Attendees should bring a calculator or laptop with excel for use in the program.

Please direct questions regarding your registration to WBA Education at 608-441-1252 or wbaeducation@wisbank.com