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2018 Credit Analysis & Underwriting Series

4-Part Series

Give your lenders and credit analysts the skills and confidence
to accurately and consistently evaluate and present loan proposals
with this series of 4 webinars.

Purchase Webinars Individually or Purchase the Series to Save 10%!

Does your bank have dedicated credit analysts or are your lenders expected to underwrite their own loans? Perhaps your institution falls somewhere in between. Regardless, it is crucial that the person completing the analysis can accurately and consistently spread financial statements, tax returns and other key financial reports to develop an effective loan narrative. Designed for credit analysts and loan officers of all experience levels, this series of 4 webinars will give your lending staff the tools to make consistent, sound lending decisions.

Whether you are just getting started or have years of experience, this series has tips, tools, and takeaways for everyone! You may register for individual sessions, or sign up for the entire series and save 10%.

Credit Analysis & Underwriting Series Topics

Session Dates & Descriptions

12:00 pm – 1:30 pm Pacific
1:00 pm – 2:30 pm Mountain
2:00 pm – 3:30 pm Central
3:00 pm – 4:30 pm Eastern

Click on presenters’ names below for more information.

January 11, 2018
Loan Underwriting 101: Interviewing, Credit Reports, Debt Ratios & Regulation B

Tommy Troyer, Young & Associates, Inc.

This webinar will focus on the fundamentals of underwriting credit: the essentials of gathering the right information, analyzing it in an informative, consistent manner, and understanding the impact of fair lending rules. It will also explain why certain aspects of underwriting are done the way they are. The program will focus primarily on underwriting consumer and residential mortgage loans, although it will also address how underwriting fundamentals apply to commercial lending. Join us to learn the basics of calculating debt-to-income ratios using tax returns, pay stubs, and credit reports.

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February 27, 2018
Debt Service Coverage Calculations in Underwriting

S. Wayne Linder, Young & Associates, Inc.

There’s more than one method for computing the debt service coverage ratio (DSCR) for operating entities. Since these methods can lead to conflicting results, even when based on the same data, several questions arise. Which DSCR calculation method should be used, EBITDA or UCA? Should the primary or global DSCR result be used for underwriting? Should there be a provision for maintenance capital expenditures? What about 179 depreciation expense? Should a deduction for taxes and living expenses be included? How should shareholder distributions and loans be handled? What should be done with missing debt service schedules? Regulators say that financial institutions should use a “forward-looking” analysis. What does this entail? How does stress testing impact DSCR underwriting? This presentation will address all these issues.

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March 28, 2018
Creating Effective Credit Memos & Loan Narratives

Tommy Troyer, Young & Associates, Inc.

Creating consistently effective credit memos is critical to making solid credit decisions. This is the primary, and often only, document that loan committees review before determining whether to approve a loan. It is also the primary source used by regulators and others to evaluate the quality of your bank’s commercial loan underwriting. This webinar will provide recommendations regarding the appropriate content and format for credit memos, address the principles that should drive credit memo creation, and explain the roles of various staff in creation and review. Although community banks vary in size, organizational structure, and processes, this webinar will provide advice that is adaptable to any bank.

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April 25, 2018
Global Cash Flow Analysis for Underwriters & Credit Analysts

S. Wayne Linder, Young & Associates, Inc.

When is global cash flow needed? What if a business can qualify for a loan with their cash flow alone? Do additional businesses owned by one or more of the guarantors have to be reviewed? Examiners expect to see a consistently applied global debt service coverage methodology, and your lending staff must be able to provide clear and consistent answers when asked. For example, who should be included? Do you use the EBITDA or UCA method, and why? What level of financial detail is needed for various related entities? What numbers are used: operating profit, net profit, or another number? How is debt repayment determined without complete debt schedules from each entity? This presentation will address key decisions and processes in global cash flow calculations.

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