May 10, 2023
Essentials of Commercial Credit Analysis provides bankers with foundational principles for effective commercial and real estate lending, commercial credit analysis, underwriting, and loan review. This 4-day 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. This course follows PSI’s “tell-show-do” facilitation approach to maximize participant interaction and the learning experience. Participants learn to apply lending, underwriting, and credit analysis principles through real life case studies, examples, and practice problems. Worksheets for calculating Debt-to-Income, Debt Service Coverage, and Global Debt Service Coverage are included.
Topics Covered:
Workshop 1 - March 7, 2023
Introduction to Commercial Lending and
Financial Accounting
8:30 a.m. Registration and Continental Breakfast
9:00 a.m. Program Begins
12:00 p.m. Lunch
1:00 p.m. Program Resumes
4:00 p.m. Program Adjourns
Times are shown in EST.
Workshop 2 - April 12, 2023
CRE Lending, Traditional Cash Flow Methods, and Analyzing Tax Returns
Workshop 1: Introduction to Commercial Lending and Financial Accounting
March 7, 2023
Workshop 2: CRE Lending, Traditional Cash Flow Methods, and Analyzing Tax Returns
April 12, 2023
Workshop 3:C&I Lending, Financial Statement Analysis, Direct (UCA) Cash Flow Analysis
May 10, 2023
Workshop 4: Effective Credit Memos, Proper Loan Grading, Portfolio Management, and Relationship Building
July 12, 2023
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.
Workshop 3 - May 10, 2023
C&I Lending, Financial Statement Analysis, Direct (UCA) Cash Flow Analysis
Workshop 4 - July 12, 2023
Effective Credit Memos, Proper Loan
Grading, Portfolio Management, and
Relationship Building
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.
The 2023 dates are:
March 7, 2023 May 10, 2023
April 12, 2023 July 12, 2023
The 2023 Essentials of Commercial Credit Analysis Series is four-workshop sessions that may also be completed as stand-alone sessions.
The location for this series will be the Center for Professional Development located at 8425 Woodfield Crossing Blvd Suite 155E, Indianapolis, IN 46240.
Laurie Rees, Vice President, Education & Training
LRees@indiana.bank
Elizabeth DeHaven, Education Manager
EDeHaven@indiana.bank
Beth Abney, Education Coordinator
babney@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 anytime.