Community Banker University - Credit Boot Camp Webinar Series

Credit Bootcamp Webinar Series

Learn the framework for assessing and managing credit risk. 
Throughout this series, we address financial statement analysis, cash flow analysis, qualitative analysis, and discuss best practices for managing the credit risk of your credit portfolio. Each webinar addresses different concepts to be built upon throughout the series.

All six of the Credit Boot Camp webinars are instructed by Jeff Judy, who is known for his straight talk and candid humor in presenting to banks and graduate banking schools. Jeff consults with financial institutions to make them more effective and efficient in managing organizational issues and customer relationships and specializes in credit management.

Purchase the entire Boot Camp Series or an individual webinar recording.

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Receive a 35% discount when you register or order all six webinars.

Special Member Price: Receive a DVD or download of all six webinars for $849 plus tax.

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Part 1 - Financial Analysis: What’s the Question

To properly assess the risk of loan repayment, lenders must understand how the borrower’s business has performed over the past several periods; this is called trending. The data needed for this process is several years of financial statements, also known as the borrower’s story about how they have managed their business activities. Conduct a financial analysis to determine the questions about “what” has changed so we can determine the “why” the number changed. The explanation of the “why” is called risk identification and is the first step in making a reasoned credit decision. 

Learn the form and function of the financial statement, the financial statement analysis process and what the calculation and role of ratios are in financial analysis. After attending this webinar, you will be equipped to better understand the borrower’s story.

Part 2 - Cash and Repayment: Getting It Back

Commercial credit risk can be the downfall of a financial institution if managed improperly. To adequately manage commercial credit risk, the banker needs to understand the keys to determining repayment. The phrase “cash is king” isn’t some cute saying but it gets to the heart of commercial credit. Gain tools to help determine the cause of cash shortfall and ability to generate cash for repayment, both critical in effectively and efficiently analyzing a borrower’s credit request.

Learn about the cash-to-cash cycle of the risk assessment, the impact of cash sensitivity on the borrower’s ability to repay and the cash drivers resulting from the borrower’s behaviors. After attending this webinar, you will be able to identify how cash moves through a business and how to reduce the borrower’s impact on cash events in the business.

Part 3 - Qualitative Analysis: Events That Make the Numbers

Financial analysis is about looking at the numbers and assessing the changes. However, it is not really credit analysis until the outcome of the numbers has been explained. That explanation involves moving from the numbers to the events that caused the numbers to look the way they do.

Learn how the economy and operating environment have an impact on the performance of a business, as well as how to use industry and marketplace strategy analysis. After attending this webinar, you will be able to better explain the reasons for changes in the business financial statement.

Part 4 - Credit Structure and Monitoring: Managing Credit Risk

Making loans is the easy part; collecting on them is much more difficult. Credit structure is the tool commercial bankers use to manage repayment. This webinar focuses on structuring commercial loans. The intent is to provide a process for structuring credits to increase the likelihood of repayment.

Learn the loan structure framework, including operational, legal and credit issues, and the role of documentation, collateral and risk ratings. After attending this webinar, you will have an increased awareness of the role of covenants in managing credit risk, the difference between the asset being financed and the collateral as a source of repayment, and the role of pricing and profitability.

Part 5 - Credit Analysis to Drive Relationship Enhancement

Credit is a key need of a business. Lenders gather financial information to assess the risk of making that credit available. Most lenders treat these customer interactions as a yes-or-no activity. Rather than saying “no” and ending the potential for future contact, a “no, but” that provides viable solutions to the customers problems ensures the door remains open for future opportunities.

Learn how to use the cash-to-cash cycle to identify financial needs of a business, how to introduce solutions for each financial need of a business, and learn how to provide tools as options for each financial need. After attending this webinar, you will have a better understanding of where businesses need cash to support key business activities.

Part 6 - Decision Framework: Making the Commercial Credit Decision

Increasingly, financial institutions are looking for commercial credit growth to generate revenues. This has brought fresh players to the marketplace who are looking to diversify credit portfolios too highly concentrated in commercial real estate or other industries. This session focuses on an overview of the commercial credit making process and gives institutions an overview of the process and provides a review of the key activities related to the process.

Learn about credit risk management and analysis tools, how to gather to correct information, and credit monitoring actions. After attending this webinar, you will be able to develop a credit framework, utilize tools and resources, and identify key activities associated with making commercial credit decisions.