Writing an Effective Credit Memorandum

General information

Credit memoranda are primary means of communications within the banking industry. In writing effective credit memoranda, it is not just what you say that commands attention, but how you say it.

Credit memoranda serve three functions:

• Provides information on the condition and status of a customer relationship
• Provides a record of thoughts and actions
• Supports or recommends action

The purpose of this course is to teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions.

Commercial loan officers, relationship managers, business bankers, credit analysts, loan underwriters, loan support officers, loan review analysts, credit support officers, credit administration, portfolio managers, business development officers and personal bankers will all benefit from this program. A pre-requisite for this program is that participants should have at least three years of experience or prior class work in analyzing financial statements, ratio and cash flow analysis.

Jeffery Johnson, principle of Bankers Insight Group will deliver the workshop. Johnson started his career with SunTrust Bank in Atlanta as a vice president and senior lender for SouthTrust Bank and senior vice president and commercial banking division manager for Citizens Trust Bank of Atlanta. 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 non-profit organizations and managed several loan officers with portfolio management responsibilities.

Johnson is now a training professional in the banking industry, working with more than 15 state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide.

We will offer this course Friday, March 1, 2013, at the Hyatt Regency in Newport Beach.

Click here for more information or to register for this program.

For questions on this or any other CBA program, please contact John Lingvall at (916) 438-4428 or jlingvall@calbankers.com.