Education Seminar

2014 Fundamentals of Credit Analysis
Newport Beach Marriott Hotel

The workshop takes key financial principles back to the basics to provide bankers with the tools they need to be conversationally competent when interacting with business clients, prospects and senior lenders.

The key to producing high quality analysis is being able to understand the actions or inactions of your borrower’s management team. We then must be able to ask the borrowers the “right” questions. The goal is to measure risk, develop loan structure, and the capacity to repay the loan. The loan officer/analyst must be able to communicate that information to senior loan officers and the customer. Ultimately, good bankers are able to provide value-added information that allows their borrowers and colleagues to make better business decisions.


The program will commence at 8:30 a.m. each day, with breakfast at 7:30 a.m. and lunch at noon. Day One will conclude by 4:30 p.m. and Day Two no later than 3:30 p.m.

This course will cover the following topics:

  • A brief review of key accounting concepts
  • Identifying the business activities that cause the need for cash, the borrowing causes
  • Ratio analysis
  • Cash flow analysis
  • Financial projections
  • A better understanding of risk factors
  • The basic skills to write better credit memos
  • The ability to provide consulting services for your clients


Junior Commercial Loan Officer, New Relationship Manager, Business Banker, Credit Analyst, Loan Underwriter, Loan Support Officer, Loan Review Analyst, Credit Support Officer, Credit Administration, Portfolio Manager, Business Development Officer, Loan Officer Trainee, Branch Manager, Financial Services Officer, Client Services Officer, and Personal Banker

Program Objectives

  • Describe the basic types of financial reports; the three types of accounts’ reports; and the four types of CPA Opinions
  • Identify the business activities that cause the need for cash, the borrowing causes
  • Define, calculate and interpret the key ratios for determining a business’ Liquidity, Leverage, Efficiency and Cash Flow
  • Develop financial projections to determine a borrower’s repayment ability
  • Better understand the financial and non-financial risk factors of a credit
  • Provide better consulting services for your clients


Jeffery W. Johnson, Principal, Bankers Insight Group

Jeffrey Johnson started his career with SunTrust Bank in Atlanta as a management trainee and progressed to vice president and senior lender for SouthTrust Bank (a large southeastern regional bank) and senior vice president and commercial banking division manager for Citizens Trust Bank of Atlanta (Community Bank).

Most of his career has been spent in credit administration, lending (commercial, consumer and real estate), business development, loan Review, management, and training and development. He has managed loan portfolios representing a cross section of loan types including: large corporate, high net worth individuals, middle market companies, small businesses, real estate and nonprofit organizations and managed several loan officers with portfolio management responsibilities.

Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, the Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.

Johnson earned a B.A. degree in accounting from Morehouse College in Atlanta, GA; a MBA in finance from John Carroll University in University Heights, Ohio; banking diploma from Prochnow School of Banking at the University of Wisconsin-Madison and a graduate certificate in bank management from the Wharton School of Business at the University of Pennsylvania.

Registration Fees

Early-Bird Registration EXTENDED through Monday, July 14, 2014
CBA Member: $795
Non-Member: $995

Regular Registration
CBA Member: $995
Non-Member: $1,195

Cancellation Policy

Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. The full registration fee will be refunded if the request is received by July 14, 2014, and 50 percent if by July 21, 2014. No refunds will be granted after July 21, 2014. Registrations made on or after July 21 are not subject to refund.

If for any reason you are unsatisfied with the program, please contact John Lingvall, VP & Director of Education at (916) 438-4428.

Location Information

Wednesday and Thursday, August 6 – 7, 2014
Newport Beach Marriott Hotel

900 Newport Center Drive
Newport Beach, CA 92660
(949) 640-4000

CBA has a room block arranged at the hotel at a rate of $169/night plus taxes.  If you are interested in reserving a room, please contact the hotel at (877) 622-3056 and reference the CA Bankers Association Rooming Block or reserve online by clicking: Room rate includes guest room internet. Please make your reservations by Saturday July 5; requests after this date will be accepted on a space-available basis at the regular room rate.

CBA will host self-parking.

Credit Information

Program Level: Beginner

Prerequisites: Participants should have at a good background or prior class work in accounting and tax return analysis.

Advance Preparation: None

Method of Presentation: Group – Live (Lecture, Discussion, and Case Study)

Recommended CPE Credits: 12.0 Hours Maximum
(Estimated 4.0 Accounting, 8.0 Specialized Knowledge and Applications)
Sponsored learning activities are measured by program length, with one 50-minute period equal to one CPE credit.  One-half CPE credit increments (equal to 25 minutes) are permitted after the first credit has been earned in a given learning activity.  Please note that not all state boards have adopted this rule.  Some participants may not be able to use one-half credit increments