Mar 28

Credit Analysis & Underwriting Series:
Creating Effective Credit Memos & Loan Narratives

Registration Options & Pricing

Please select your membership status.

Recorded Webinar Includes

  • Recording of the Live Webinar
  • Available 6 business days following Live date
  • Available for 6 months following Live
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your bank
  • Presenter’s contact info for follow-up

12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

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.

Continuing Education: Attendance verification for CE credits upon request

Save with this series!


  • Overview of what an effective credit memo/loan presentation should accomplish
    • Credit memo basic content and omissions that often lead to examiner criticism
    • Effectively presenting information to the reader
  • General principles regarding the roles of credit analysts, loan officers, and others in the process
  • Ensuring the narrative and analysis add value to the credit memo
  • Information that should and shouldn’t be included in the written narrative
  • Building off the credit memo process to conduct and document annual reviews of existing borrowers

    • Examples of effective (and less-effective) credit memos, each focusing on one aspect of a hypothetical credit memo to demonstrate how the approach can shape a reader’s conclusion
    • Credit memo content checklist
    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


This informative session is designed for credit analysts, analyst managers, heads of credit administration, and commercial lenders. Chief lending officers and chief credit officers directly engaged in overseeing the bank’s credit analysis will also benefit.

NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.


Young & Associates, Inc.
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