MBA Education Center for Small Business Providing Premier Banker Education Credit Analysis MBA Education Center November 11, 2008 6.75 Lending ICB Credits Lansing CLBB For detailed directions, click “About the MBA” at 507 S. Grand Ave., Lansing, MI 48933 517-485-3600 www.mibankers.com 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 www.mibankers.com 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 Address (517) 485-3600 email@example.com Phone Fax www.mibankers.com 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: www.mibankers.com 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. WEB 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 memo. 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 lending.
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