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Preparing for a Loan Review Before the Regulators Arrive

This webinar will prepare the bank for an upcoming Safety and Soundness Examination focusing on overall credit administration, so that correction of deficiencies can be achieved before the regulators arrive.

OnDemand
Recorded Thursday,
August 24th, 2023
Presented by Jeffery Johnson
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Lending
  • Lending Compliance
  • Risk Management/Legal
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Credit Analyst
  • Internal Auditor
  • Private Banker
  • Training Manager
  • Workout Specialist/Collector

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The program begins with a discussion of those Macro Economic, Industry, Business, and Management factors that must be considered as part of loan portfolio management. That will be followed by examining the quality of credit file documentation, which includes an assessment of the Credit Memorandum and Loan Documentation. Then we move onto a discussion on effective management tools required to navigate the bank through today’s challenges.

What You'll Learn

  • Requirements for Writing an Effective Credit Memorandum
  • Review of Essential Loan Documentation Procedures to Ensure the Bank’s Collateral Position is Legally Enforceable
  • Review Financial Statement Analysis Techniques, Ratio Analysis, and Cash Flow Analysis for Commercial, Industrial, and Commercial Real Estate Loans to Determine Creditworthiness
  • Review Effective Methods of Performing an Internal Loan Review
  • Review the Importance of having an effective Loan Risk Rating System Utilizing a Clear, Measurable, and Objective loan grading system

Who Should Attend

Loan Review Personnel, Commercial Lenders, Senior Credit Officers, Senior Loan Officers, CEOs, Consumer Lenders, Training Specialists.

Jeffery Johnson

Instructor Bio

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.

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