Jeffery Johnson
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.
Wednesday, September 1st, 2010
10:00 am - 12:00 pm
CST
After a detailed credit analysis of a loan request has
been performed, it is now time to communicate your findings in writing. Credit
memoranda are a primary means of communications within the banking industry. In
writing effective credit memoranda, it is not what you say that commands
attention, but how you say it. Credit memoranda serve three functions: 1) they
provide information on the condition and status of a customer relationship; 2)
they provide a record of thoughts and actions and 3) they support or recommend
action. The purpose of this course is to teach skills required to write an
effective credit memorandum, which places emphasis upon factors or trends that
are important without the need to state the obvious. In short, the credit memo
should present relevant, material facts and the writers’ thoughts and opinions.
Remember, anything you write in a credit memorandum will become public record if
you find yourself in court with a borrower.
Covered Topics:
- Balance Sheet Analysis
- Income Statement Analysis
- Cash Flow Analysis
- Calculating and interpreting financial ratios and cash flow
- Questions to raise with the customer after the credit analysis is
completed
- Outline of relevant factors to include in a credit memorandum
- How to report your finding efficiently and effectively in the credit
memorandum
- Apply the concepts to a study case
At the end of this course, the participant will be able to:
- Strengthen their understanding of credit analysis
- Interpret financial trends and financial ratios
- Write succinct and focused credit memoranda
- Meet with management armed with relevant questions and issues to be
addressed
- Feel more confident in defending a recommended course of action based upon
relevant facts and not instinct
Who Should Attend?
- Commercial Loan Officers
- Consumer Loan Officers
- Credit Analysts
- Loan Review Personnel
- Compliance Officers
- Internal Auditors
- Branch Managers
The participant should have some experience or prior class work in analyzing
financial statements and/or credit analysis.