1. Class Introduction – Management 4 Units
WRITING AND PRESENTING
A CREDIT ANALYSIS (X 430.614)
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2. I have been in banking for 21 years with an extensive
experience in risk management, credit, and lending.
Currently, I am working for a commercial bank as its
Chief Risk Officer. My last job was the Head of a new
business unit called “Small- and Medium-Sized
Enterprises” for an international bank where I
enjoyed reviewing and approving credit requests for
all kinds of commercial loan transactions. Prior to
becoming a banker, I worked as a bank examiner for
the FDIC, and part of my job was to evaluate banks’
loan/credit decisions. I earned two MBAs: one from
Columbia University in NY and one from University Of
California in Berkeley. I also completed the graduate
banking school at University of Washington. I am a
board member of the Los Angeles chapter of the Risk
Management Association. I look forward to sharing
my experience, knowledge, and ideas and hope the
next 12 weeks will be an informative and enjoyable
journey for all participants.
My Background
and Experience
The Instructor - Deborah Meng
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3. Three Course Components
The class covers essential topics enabling you to be an effective credit analyst
Fundamentals
of Credit
Analysis
Composing
Credit Analysis
Write-ups
Presenting
Analysis to
Credit Approvers
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4. TOPICS COVERED:
Week 1 - Purpose of credit analysis and overview of various lending
types and loan approval process
Week 2 – 5 C’s (character, capacity, condition, capital, and collateral)
and 5 P’s (people, purpose, payment, protection, and perspective) of
credit and credit process.
Week 3 – Examining loan requests (decision elements)
Week 4 - Credit underwriting
Week 5 – Credit structuring
Week 6 – The art of credit analysis
Goal: Building the foundation for writing a comprehensive credit analysis by reading and understanding the credit fundamental knowledge
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5. TOPICS COVERED:
Week 7 – Commercial real estate lending basics, case study,
and credit analysis
Week 8 – Commercial and industry loan case study and
credit analysis (new)
Week 9 - Commercial and industry loan case study and credit
analysis (renewal)
Goal: Practicing how to analyze credit information and compose written analysis with sample templates
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6. TOPICS COVERED:
Week 10 – Presenting credit analysis (mock loan committee)
Week 11 – Additional techniques and tips (credit reviewers’
perspectives)
Week 12 – Credit analysis critiquing
Goal: Conducting an effective presentation to win the approval of credit analysis and recommendation
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7. At the end of the course, you should be able to:
1. Enhance your business writing, critical thinking, and presentation skills.
2. Obtain useful templates and best practices to be used in real life credit
analysis situations
3. Apply credit fundamental knowledge to write a concise and coherent credit
analysis.
4. Effectively present credit analysis findings to a credit manager or
committee.
Learning Objectives
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8. You should take the course if any of the following applies:
1. You want to get a credit analysis and management certificate.
2. You are currently working in the credit or lending field and want to enhance your
credit skills.
3. You are thinking about pursuing a credit analyst career.
4. You want to know how bankers evaluate credit requests.
5. You want to improve your basic writing and analytical skills.
6. You are a business owner and want to improve your company’s financial
position.
Who should take the course?
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9. Online learning experience with flexible schedule and convenient location
Knowledge and ideas sharing among all participants (including banks’
chief credit officers as guest speakers) will provide you with an
insightful, hands-on, and fun experience during the 12-week course!
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