How to Craft an Effective Commercial Loan Write-Up
The session will begin with a brief overview of loan write-ups or credit memorandums, including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation). The financial analysis section will highlight liquidity, activity, leverage, operating performance, and cash flow analysis. Additionally, the “Z-score” bankruptcy predictor will be reviewed. The session will also cover additional important loan write-up items, including assessing the company’s strategic plan: marketing, financing, and management. Also, the “risk assessment and mitigation” section will be used to summarize the loan presentation. Three “standard” commercial loan write-ups will be presented in order to illustrate the concepts.
What You’ll Learn
Who Should Attend
This session is ideal for commercial lenders, relationship managers, credit analysts, private bankers, and business development officers.
