Lending to Non-Profit Organizations
Non-Profit Organizations ("NPOs") are common in the marketplace for most financial institutions and may comprise a noticeable portion of a financial institution's loan portfolio.
NPOs can be grouped as being providers of a public benefit (museum, schools, hospital and civic groups) or provider of a mutual benefit (churches, trade or professional association, and clubs).
Since the ultimate goal of an NPO is having resources sufficient enough to meet its objectives of providing a social service or need, cash is more important than profitability. As such, the skills required to understand and underwrite the risks involved in this type of lending is quite different from analyzing profit oriented organizations. For example, terminology commonly used to describe an NPO’s operations and the accounts on the financial statements are unlike the terminology and accounts found on the financial statements of a traditional for profit organization.
This course is designed to introduce participants to the various types of NPOs and present appropriate methods of analyzing and lending to these types of entities. It will highlight a Religious Organization; a Private School, and a Non-Profit Service Provider.
- Understanding the financial statement components of an NPO and their meaning
- Understanding the layout of NPOs financial statements utilizing Statement of Financial Accounting Standard 117 (Financial Statements of Non-Profit Organizations)
- Identifying the basic information required to analyze various types of NPOs and identifying risk factors commonly found in NPOs
- Identifying key financial ratios utilized to analyze NPO and their respective interpretations
- Structuring loans to NPOs in order to minimize the risks associated with this type of lending
After completion of this session, the participants’ knowledge of NPOs will be enhanced and should improve the credit underwriting quality of this specialized form of lending.
- Commercial Loan Officers
- Consumer Loan Officers
- Senior Credit Officers
- Loan Review Officers
- Compliance Officers
- Branch Managers
- Credit Analysts
- Loan Support Personnel
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.
Jasmine McGinnis Johnson is an assistant Professor in Public Administration and Public Policy at George Washington University. Jasmine attained her doctorate in 2012 in a joint degree program between Georgia State University and Georgia Institute of Technology in Public Policy. Jasmine’s research interests broadly relate to the areas of public and nonprofit sector management, governance of philanthropic institutions, nonprofit networks, and performance metrics and measurement in the third sector. Jasmine’s academic accomplishments publications in academic journals Nonprofit & Voluntary Sector Quarterly (NVSQ), International Public Management Journal, Public Management Review, Administration and Society, and the Review of Public Personnel Management. She has also published in practitioner oriented publications such as The Foundation Review and Stanford Social Innovation Review. Additionally, Jasmine has received multiple grants including the Italian Research in Philanthropy Awards, and the Center for International Business Education grants.
Prior to pursing her Ph.D., Jasmine worked in the nonprofit sector for several years as a development and evaluation senior manager. Jasmine earned a Master of Public Administration degree from the University of Georgia and a Bachelor of Arts degree in Sociology from Emory University in Atlanta.
Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 CE Credits
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