1. business and industrial

Training the Credit Analyst in 2015
April 16-17, 2015
The Florida Hotel and Conference Center v Orlando, FL
This two day program is designed to provide lenders and analyst
the tools required to understand and use financial information
provided by borrowers. The key to producing high quality
analysis is being able to understand the actions or inactions of
your borrower’s management team. We then must be able to
ask the borrowers the “Right” questions. The goal is to measure
risk, develop loan structure, and the capacity to repay the loan.
The Loan Officer/Analyst must be able to communicate that
information to Loan Committee and the customer. Ultimately,
good Loan Officers are able to provide value-added information
that allows their borrowers to make better business decisions.
Specific topics to be covered include:
Review of Accounting: This module will cover the basic
accounts of the Balance sheet and Income statement; In
addition, the four primary types of financial statements will
be covered ;
Ratio Analysis: The relationship between various financial
indicators provide clues to the customer’s business activities
& indicators of risk and structuring considerations;
Borrowing Causes: Analytical tools can help identify the
business activities that give cause to the need for cash; form
trade account cycles to fixed asset financing
Cash Flow Analysis: This tool ties all of the analytical tools
together, Margins, Asset Turnover, Sources and Uses of cash,
Risk Analysis;
Projections: Projections allow bankers to answer the
questions; How much will my customer need to borrower?
Will they be able to repay the loan? How have management
decisions affected cash flow. How do you convert accrual
financial statements into cash flow analysis;
Benefits of Attending
A better understanding of risk factors
The ability to identify the business activities that cause the
need for cash
The skills to write better credit memos
The ability to provide consulting services for your clients
Schedule of Events for Both Days
8:30 a.m. - 9:00 a.m.................................................. Registration
9:00 a.m. -12:00 p.m........................................................Program
12:00 p.m. - 1:00 p.m........................................................... Lunch
1:00 p.m. - 4:00 p.m........................................................Program
The program will begin promptly at 9:00 am
Lunch will be provided v Appropriate attire is business casual
Meeting rooms tend to be cold
Who Should Attend
Training the Credit Analyst is designed for Credit Analysts with
little or no experience; Credit Officers; Credit Administrators;
Commercial Loan Officers/Managers; Loan Review Officers;
Branch Managers and Management Trainees. In order to
obtain the greatest benefit from this course, participants should
have a general understanding of Accounting and have a basic
understanding of financial statement and credit analysis.
Meet the Speaker
David Kemp is President of Bankers Management, Inc., a
nationally recognized company in financial services training and
bank consulting. Previous to forming his own company, he served
as Vice President, Director of Credit Services - Cannon Financial
Institute in Athens, Georgia, where he trained bankers nationwide
in Cannon Lending Schools, as well as through Banking
Associations. David has more than twenty years experience and
management responsibility in the areas of consulting, training,
credit administration and new business development. Before
joining Cannon, he was Vice President Corporate Finance with
Citicorp North America. He was responsible for Marketing
Investment and Commercial Banking Services throughout the
Southeast. His areas of expertise include: all types of commercial
lending, consumer lending, portfolio management, real estate
lending, workouts and director responsibilities.
Please Bring
a Calculator to
this seminar
Date and Hotel Information
Call the hotel and identify yourself with the FBA
Training the Credit Analyst for the $125 room rate.
April 16-17, 2015
The Florida Hotel and Conference Center
1500 Sand Lake Road, Orlando, FL 32809
(407) 859-1500
GPS Address: 8001 S. Orange Blossom Trail, Orlando, FL 32809
TRAINING15
Training the Credit Analyst in 2015
Register online at www.floridabankers.com or complete this form and send to Florida Bankers Association, 1001 Thomasville Rd,
Suite 201, Tallahassee, FL 32303 or by fax to (850) 222-6338. Contact Pete Brokaw at (850) 224-2265 or pbrokaw@floridabankers.
com with any questions concerning this event.
Registration Fees
Before
After
4/2/15
4/2/15
FBA Members...............................................................................................$605.00$655.00
All Other Non- Member Institutions..........................................................$1,210.00$1,310.00
Contact Person:_________________________________________ Title:______________________________________________
Organization:___________________________________________ Email:_____________________________________________
Phone:__________________________________ Ext._____________ Fax:______________________________________________
Address:_________________________________________________________________________________________________
City:___________________________________________ State:__________Zip:_______________________________________
List Registrants’ Names
1)Name:_____________________________________________ Order # (FBA Use):_________
Email:_____________________________________________ Title:______________________________________________
2)Name:_____________________________________________ Order # (FBA Use):_________
Email:_____________________________________________ Title:______________________________________________
3)Name:_____________________________________________ Order # (FBA Use):_________
Email:_____________________________________________ Title:______________________________________________
4)Name:_____________________________________________ Order # (FBA Use):_________
Email:_____________________________________________ Title:______________________________________________
Method of Payment (check one)
Payment is required at time of submission to process registration.
Approved refunds will be payable via FBA check.
q MasterCard
q VISA
q American Express
q Discover
Credit Card Number:_______________________________________
Name on card:____________________________________________
Exp. Date:________________ Total Amount Due: $______________
Cancellation and Refund Policy
In the event you are unable to attend a meeting, the
FBA strongly encourages sending a substitution.
Cancellations prior to four (4) weeks will be
refunded minus a 10% processing fee. Cancellations
2-4 weeks prior to an event will be refunded minus
a 25% processing fee. There are no refunds or
credits for cancellations within two (2) weeks of an
FBA event.
Click Here to Submit