Education Seminar

Fundamentals of Credit Analysis
Hyatt Regency in Sacramento

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.

Agenda

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

Audience

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

Scheduled Speaker

David L. Kemp is President of Bankers Management, Inc. (BMI), formerly The Management Group. BMI is a nationally recognized company in financial services training and bank consulting. Prior to forming BMI, he served as Vice President, Director of Credit Services for Cannon Lending Schools, as well as through Banking Association sessions for individual financial institution.

Mr. Kemp has more than thirty years of management experience in consulting, training credit administration and new business development. Before joining Cannon, Mr. Kemp was Vice President Corporate Finance with Citicorp North America. He was responsible for Marketing Investment and Commercial Banking Services throughout the southeast. His areas of expertise include commercial lending, consumer lending, portfolio management, real estate lending, workouts, and director responsibilities. While with Citicorp, Mr. Kemp was assigned to serve as Senior Credit Officer, specializing in financing retail companies. He managed a workout process that saved more than twenty million dollars in planned charge-offs.

Prior to joining Citicorp, Mr. Kemp was a Branch Manager and Commercial Lender for First National Bank of Atlanta and Citizens and Southern National Bank. In additional to his banking background, he served as a consultant to small businesses in the area of finance, operations, marketing and sales. Mr. Kemp serves as a visiting professor and guest lecturer to many colleges and universities. He is past chairman of the Downtown Development Authority (City of Atlanta’s Board that owns the Underground Atlanta Project.) He is also past president of the Atlanta Urban Bankers Association.

Registration Fees

Early-Bird Registration extended through Monday, October 7, 2013
CBA Member: $795
Non-Member: $995

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

Cancellation & Complaint Resolution 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 October 7, 2013, and 50 percent if by October 16. No refunds will be granted after October 16. Registrations made on or after October 16 are not subject to refund.

Complaints regarding this program should be directed to John Lingvall, VP & Director of Education at (916) 438-4428.

Location Information

Hyatt Regency Sacramento
1209 L Street
Sacramento, CA 95814
(916) 443-1234

CBA has arranged a special rate of $149 per night. Includes guestroom internet. Please call the hotel to reserve your room prior to October 8, 2013, or click on the following link to reserve online: https://resweb.passkey.com/go/CABA2013

CBA will host self parking the day of the event.

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

Commands