This is open to Bankers only
 

Join NJBankers and FORVIS for our inaugural Credit Training Workshop. This three-session workshop combines virtual and in-person sessions that NJBankers and FORVIS custom designed to provide bankers the necessary skills to perform quantitative analysis of financial data to determine the creditworthiness of a borrower

Registration gives attendees access to all three workshop sessions covering:

• The fundamentals of credit risk and analysis.
• The necessary skills to efficiently analyze a credit and concisely communicate the risks associated.
• Perform an analysis of data to determine credit worthiness
• And much more

Who should attend:

Credit Officers - Credit Analysts - Credit Administrators
Commercial Loan Officers & Managers - Loan Review Officers - Lenders
Underwriters - Treasury Management - Branch Managers
 

Session dates and times

Session 1 (virtual) – Tuesday April 11, 2023, 10:00am – 1:30pm (3 CPE credits will apply)

Session 2 (virtual) – Tuesday April 25, 2023, 10:00am – 1:30pm (3 CPE credits will apply)

Session 3 (in-person) – Tuesday May 2, 2023, 10:00am – 4:00pm, Park Avenue Club, Florham Park, NJ. (4 CPE credits will apply)


Registration Fees: Bank Member - $1,250; Non-Member - $2,500

Workshop Sessions

Session 1 – Virtual – Tuesday April 11, 2023, 10:00am – 1:30pm

Session will include:

Examining and Spreading Financial Statements – Learn the types of financial information produced by a Borrower including a tax return or a financial statement, and the primary parts including Assets, Liabilities, Income Statement and Cashflow.  Discuss the reasons for and the techniques of financial spreading.

Loan Documentation – Review the way a loan is structured and documented including preparation of a Term Sheet, a Commitment Letter and Loan Agreement.

Underwriting a Credit- Write an organized credit analysis that identifies the Borrower, Loan Purpose, Sources of Repayment and Risks.

Presenters: Ryan Swope, Tonya Makey, Vince Van Nevel

Session 2 – Virtual – Tuesday April 25, 2023, 10:00am – 1:30pm

Session will include:

Financial Ratios and Trend Analysis – Discuss key ratios are used to evaluate a Borrower including profitability, leverage, and liquidity ratios and understand the purpose and importance of identifying trends

Cashflow Analysis & Debt Service – Learn how to read and build a Cashflow Statement and calculating a Borrower’s debt service coverage ratio “DSCR”.

Loan Products – Discuss the types of loan products offered by Banks and how they are used by Borrowers.  They would include commercial mortgages, terms loans, and lines of credit, among others.

Portfolio Management – Discuss the importance of managing and monitoring a Borrower after the loan has closed and how this is performed, including collection of updated financial information, covenant monitoring, annual reviews and risk rating evaluation.

Presenters: David Bartus, Vince Van Nevel, John Bourquard

Session 3 – In person – Tuesday, May 2, 2023, 10:00am – 4:00pm

Session will include:

Collateral and Guarantors:  Understand why the Bank requires Collateral and Personal Guarantees for a loan and learn to evaluate the strengths of each.  

Real Estate Lending – Review the types of commercial real estate Borrowers including residential/multi-family, commercial office, mixed-use, and owner occupied among others, as well as calculating and evaluating net operating income “NOI” and loan to value “LTV”.      

Commercial & Industrial Lending – Discuss lending to small businesses or larger more established middle market companies and how these are analyzed and including consideration of management experience and the industry in which it operates.

Presenters: David Bartus, Andrew Harper, Laura Knight

Networking reception 3:00pm – 4:00pm


CLICK HERE FOR FULL AGENDA


Cancellation Policy: No refunds will be given for event cancellations.  Substitutions are permissible until March 21st. 

This is open to Bankers Only