2024 Credit Analysis

Credit Analysis 

Credit Analysis provides bankers with foundational principles for effective commercial and real estate lending, commercial credit analysis, underwriting, and loan review. 
Join us on March 12-13.

INSTRUCTOR:


Christie Drexler, Partner
Performance Solutions, Inc. 


Essentials of Commercial Credit Analysis provides bankers with foundational principles for effective commercial and real estate lending, commercial credit analysis, underwriting, and loan review.

The program will prepare bankers to successfully analyze credits and make wise, evidence-based loan recommendations in today’s banking environment, where they must have the skills and flexibility to respond to a wide range of loan requests.  

The instructor’s facilitation approach encourages participant engagement and, thus, enhances their learning experience. Participants apply lending, underwriting, and credit analysis principles through real-world examples, practice problems, and case studies. Worksheets for calculating Debt-to- Income, Debt Service Coverage, and Global Debt Service Coverage are included.

Benefits of the Course:

• Gain a solid foundation for a career in commercial lending.
• Become more aware of the pitfalls of common lending and credit analysis mistakes.
• Understand why knowledge UCA cash flow analysis is an under-valued, yet critical skill for all small business and commercial bankers.
• Learn how to interpret and communicate “the story” conveyed in the financial statements.
• Become familiar with analysis provided by commonly used bank financial analysis software. 
• More effectively communicate with key stakeholders to improve loan decisioning and client service.
  
  

 Attendees are required to:

• Attend and engage fully in training.
• Bring a calculator to class.
• Bring printed copies of the training manuals and resource manuals to class.
• A laptop is recommended, but not required.

The agenda for the 2-day program includes:

Day 1: Financial Statement Analysis, Direct (UCA) Cash Flow Analysis, Working Capital, and C & I Lending

The agenda includes: 

• Trend Analysis, Common-Size Analysis, Ratio Analysis
• Balance Sheet and Impact of Changes on Cash Flow
• Analyzing Working Capital
• Cash Conversion Cycle
• Key Differences in Analyzing C&I and CRE Loans
• Analyzing and Monitoring Loans Secured by Inventory and Account Receivable
• Projecting Future Income and Cash Flow
• Lessons Learned:  C&I Problem Loans

Day 2: Putting It All Together: Credit Memos, Loan Grading, Portfolio Management, and Effective Communication

The agenda includes: 

• Writing Effective Credit Memos
• Assessing Risk and Mitigation Strategies
• Proper Loan Grading
• Ongoing Loan Monitoring, Exception Management, and Loan Review
• Problem Loan Workouts
• Effectively Communicating with Credit Partners
• Building Loyal Client and Stakeholder Relationships

ABOUT OUR INSTRUCTOR:
Christie Drexler is the Owner of Drexler Consulting, LLC, a financial services consulting and training business focused on developing purpose-driven, competent, servant leaders in all roles of banking.  In association with Performance Solutions, Inc. and Dianne Barton, Christie has offered training and consulting services through Drexler Consulting, LLC, for the past three years.

Christie has twenty-six years of direct experience in the financial services industry, working for both community and large regional banks. Her experience has been expansive to include successfully navigating retail and commercial banking careers.  She has served as Division President, Market President, Chief Credit Officer, Chief Retail Officer, and Regional Sales & Service Manager. Christie has a B.S. in Finance from Berry College and an MBA from Georgia College and State University. She is a passionate facilitator and coach who strives to live the values and leadership strategies she teaches in her training programs.