Aug 5, 2024
This course is designed to address the needs of bankers and credit analysts by reinforcing their credit analysis skills. It begins by identifying the five vital financial factors faced by all commercial and industrial borrowers including: Liquidity, Leverage, Asset Management, Operations and Cash Flow. It then progresses into how to determine each factor through ratio analysis.
When the ratios are calculated covering the five vital financial factors, the course will instruct the participants on how to interpret each ratio and determine the financial impact on changing ratios and other metrics. It will also show how to utilize these ratios to structure short-term loans and improve the participants’ ability to:
August 5th, 2024
2:30 pm - 4:30 pm EST
What You'll Learn
How to Calculate and Interpret Ratio Analysis and the Impact on Cash Flow from Changing Metrics over a Period of Time
How to Calculate and Interpret Cash Flow Analysis Utilizing the Modified Uniform Cash Analysis Method to Determine the Major Inflows and Outflows of Cash
How to Utilize All of These Techniques to Structure Short-Term Loans and to Write a More Effective Credit Memorandum
Who Should Attend
This session will be beneficial for Board of Directors members, Senior Credit Officers, Senior Loan Officers, Chief Financial Officers, Commercial Lenders, Consumer Lenders, Loan Review Officers, Credit Analysts, Branch Managers, and other Credit Officers.
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.
Available Upgrades
AyZha Hazelwood, Education Meeting Coordinator
Ahazelwood@indiana.bank
317-387-9380