Lending to Municipalities

Most banks do not specialize in Lending to Municipalities and Other Governmental Units. However, when the opportunity presents itself, those banks struggle to perform the proper credit analysis to determine creditworthiness.

The purpose of this course is focus on the major credit factors that should be examined to predict the repayment capability of a Municipality or other Governmental Unit.

Although this type of lending is not a target market for many banks (particularly Community Banks), there are some credit opportunities at can lead to lucrative fee-based business, such as cash management and investment management. Additionally, financial institutions find that having a relationship with local municipalities can create significant goodwill in the community, which can translate into more business from consumers and businesses in the area.

This course will explore the major differences between credit analysis on local governments and commercial real estate / commercial & industrial type borrowers. Participants will learn the appropriate information to request and how to use financial data and other information to effectively underwrite this type of borrower. Also, participants will be able to identify opportunities to market the proper type of credit facilities to local governments.


  • Different types of local government structures in the US in order to determine potential creditworthy government structures
  • How to complete a review and financial analysis of a municipal’s financial statement
  • The common credit requirements of municipalities
  • The best credit structure based upon the credit needs of municipalities
  • Locating and use of publicly available information to assist in the analysis of municipal borrowers


This course has value for lending and credit personnel with various backgrounds, experiences and areas of expertise including, but not limited to:

  • Senior Loan Officers
  • Senior Credit Officers
  • Commercial Loan Officers
  • Branch Managers
  • Credit Analysts
  • Loan Review Officers
  • Internal Auditors
  • Consumer Lenders


Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of 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, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

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

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 CPE Credits


Either Live or 6-Month On-Demand Webinar: $255

Both Live and 6-Month On-Demand Webinar: $355


Online: Click here.

Phone: Call Total Training Solutions at (800) 831-0678

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.