May 14, 2024
Commercial Credit Analysis provides bankers with foundational principles for effective commercial and real estate lending, commercial credit analysis, underwriting, and loan review.
This four-session series 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. Participants may choose to enroll in the entire four-session series, or they may choose to enroll in individual sessions which meet their unique development needs.
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.
Session IIntroduction to Commercial Lending and Financial Accounting
Session IIAnalyzing Tax Returns and Calculating Traditional Cash Flow
Session III: Financial Statement Analysis, Direct (UCA) Cash Flow Analysis, Working Capital, and C&I Lending
Session IV: Putting It All Together: Credit Memos, Loan Grading, Portfolio Management, and Effective Communication
| 9:30 a.m. | Registration and Log In |
| 10:00 a.m. | Program Begins |
| 12:00 p.m. | Lunch |
| 1:00 p.m. | Program Resumes |
| 5:00 p.m. | Program Adjourns |
Times are EST.
Introduction to Commercial Lending and Financial Accounting - April 16, 2024
The agenda includes:
Analyzing Tax Returns and Calculating Traditional Cash Flow - April 17, 2024
The agenda includes:
Facilitator
Performance Solutions, Inc. (PSI) is a training and consulting company that has been a part of the banking community for over 35 years. PSI specializes in providing solutions to the key challenges facing banks today in attracting and building profitable relationships with customers. During the recent pandemic, PSI adapted and pioneered a virtual, "live" platform to meet the ever-changing needs in our banking communities. PSI’s in-person, virtual, and hybrid training and speaking engagements are described as energized, fast-paced, interactive, and results-focused.
Christie Drexler is Senior Consultant and Facilitator for PSI. She has over 26 years of experience in the financial industry, serving community and regional banks. Her experience has been expansive to include successfully navigating retail, operations, treasury services, and commercial banking careers. She has served as Chief Retail Officer, Chief Credit Officer, and Market/Division President. 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 with a focus on developing competent, caring, and impactful leaders in all roles of banking.
Financial Statement Analysis, Direct (UCA) Cash Flow Analysis, Working Capital, and C&I Lending - May 14, 2024
The agenda includes:
Putting It All Together: Credit Memos, Loan Grading, Portfolio Management, and Effective Communication - May 15, 2024
The agenda includes:
Audience
This series is targeted to Commercial Lenders, Commercial Real Estate Lenders, Commercial and Industrial Lenders, Small Business Lenders, Credit Analysts, Commercial Loan Underwriters, Loan Review Officers, and Management Trainees.
IBA Members
$999 - Full Program
$275 - Each Individual Session
Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. 100% Surcharge for all Non-Members.
Virtual Training
Connection links and handouts will be provided 2-3 days in advance to allow for printing of the materials before class. Sessions 1 and 2 will be held back-to-back and sessions 3 and 4 will be held back-to-back.
Laurie Rees, Vice President, Education & Training
LRees@indiana.bank
Elizabeth DeHaven, Education Manager
EDehaven@indiana.bank
The IBA will send confirmations as requested for its programs. Please check the appropriate box & include a fax number on the registration form. If you have questions, contact Elizabeth DeHaven via e-mail at EDehaven@indiana.bank or by phone at 317-387-9380.
Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations 1 day prior or absences on the day of the program. Substitutions are welcome at any time.