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									                                                                                                                                                                                                                                                                                                                                                                        MBA Education Center
      for Small Business

                                                                                                                                                                                                                                                                                                                                                                                                Providing Premier Banker Education
      Credit Analysis

                                                                                                                                                                                                                                                                            MBA Education Center
                                                                                                                                                                                                                                                                            November 11, 2008


                                                                                                                                                                                                                                                                                                                           ICB Credits

                                                                     For detailed directions, click “About the MBA” at

                                                                                                                                                                                                                                                                                                                                                                                507 S. Grand Ave., Lansing, MI 48933
                                                                                                                                                                                                            North: Courtyard by Marriott (517) 482-0500
Michigan Bankers Association

                                                                                                                                                                                                                                                                  West: Country Inn and Suites (517) 327-0486
                                                                                                                                                                                                            2710 Lake Lansing Road, Lansing, MI 48912

                                                                                                                                                                                                                                                                  6511 Centurion Drive, Lansing, MI 48917

                                                                                                                                                                                                                                                                                                                                  Registration begins at 8:30 a.m.
                          507 South Grand Avenue

      Education Center

                                                                                                                                           Overnight Accommodations
                                                                                                                                                                      Please ask for MBA preferred rates.
                            Lansing, MI 48933

                                                                                                                                                                                                                                                                                                                                  Seminar: 9 a.m. - 4 p.m.
                                                                                                                                                                                                                                                                                                                                  Lunch Break: Noon
                                                                                                                                                                                                                                                     smoke free
                                                                                                                                         Credit Analysis for Small Business Lending — November 11, 2008
          Registration Form
                                                          Name                                                                                                                                                                                                                                   Bank/Firm
                          (517) 485-3600
                                                          Phone                                                                                                                                                                                                                                  Fax
                                                          Name for Badge                                                                                                                                                                                                                         E-mail
       Registration Fee
       Includes instructional material,                   Ways to Register                                                                                                                                                                                                                                      Method of Payment (Check ONE):
       refreshments and lunch                                                Mail: Michigan Bankers Association                                                                                                                                                                                                   Check payable to Michigan Bankers Association
                                                                                      507 South Grand Avenue                                                                                                                                                                                                      Mastercard           Visa      American Express
       Early bird special if received by                                              Lansing, Michigan 48933                                                                                                                                                                                                   Credit Card Number
       Oct. 11, 2008                                                         Fax:              (517) 487-1235                                                                                                                                                                                                   Signature                                 Exp. Date
         MBA Members:          $225                                          Online:                                                                                                                                                                                                    Printed Name of Cardholder
         Nonmembers:           $450
                                                          Confirmations will be sent by e-mail.
                                                                                                                                                                                                                                                                                                                  If you have a disability that may affect your participation,
       After Oct. 11, 2008                                Cancellations: The MBA will refund registration fees for cancella-
                                                                                                                                                                                                                                                                                                                please check here. We will contact you to discuss your needs.
         MBA Members:                              $245   tions received in writing more than three business days prior to the
         Nonmembers:                               $490   event. Substitutions are always welcome.
                                                          Business casual is acceptable dress.
Credit Analysis for Small                            Highlights                                            Speaker Information
Business Lending
                                                                                                                           Jeff Judy
                                                   • Questions to raise with the customer after the
After a detailed credit analysis of a loan
                                                     credit analysis is completed.
request has been performed, it is now time                                                                Jeff Judy draws on many years of
to communicate your findings in writing.                                                                  experience in the financial services industry
                                                   • Outline of relevant factors to include in a credit
Credit memoranda are a primary means of                                                                   in both international and domestic areas. His
communication within the banking industry. In                                                             experience in lending, credit administration,
writing effective credit memoranda, it is not                                                             credit policy and credit training are completed
                                                   • How to report your findings efficiently and
what you say that commands attention, but                                                                 with experience in operations and marketing.
                                                     effectively in the credit memo.
how you say it. Credit memoranda serve three
functions: they provide information on the
                                                   • Interpert financial trends and financial ratios.     Judy provides his clients with learning
condition and status of a customer relationship,
                                                                                                          experiences that deliver true practical value
they provide a record of thoughts and actions
                                                   • Write succinct and focused credit memos.             for participants. He has held positions with
and they support or recommend actions.
                                                                                                          Continental-Illinois National Bank, Norwest
                                                   • Apply the concepts to a case study.                  Banks, Norwest Corporation and AgriBank
Participants will learn skills required to write
                                                                                                          FCB. He is a consultant and trainer for several
an effective credit memorandum, which
                                                                                                          national graduate schools of banking and
places emphasis upon factors or trends that
                                                                                                          state bank associations.
are important without the need to state the
obvious. In short, the credit memo should
present relevant material facts and the writer’s
thoughts and opinions. Remember, anything
                                                                                                          Who Should Attend
you write in a credit memo will become public                                                             Loan officers, credit analysts, loan review and
record if you find yourself in court with a                                                               administration personnel, loan support and
borrower.                                                                                                 operations personnel or any banker wishing to
                                                                                                          learn or grow in the area of commercial-type

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