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Writing an Effective Credit Memorandum for a Successful Outcome

After a detailed credit analysis of a loan request has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications as they serve three functions: 1) they provide information on the condition and status of a customer relationship, 2) they provide a record of thoughts and actions, and 3) they support or recommend an action to be taken.

Upcoming
Tuesday, May 27th, 2025
10:00 am - 12:00 pm
Presented by Jeffery Johnson
$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Commercial/Business Lending
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Reporting
  • Bank Legal Counsel
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • Private Banker
  • Risk Manager
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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The purpose of this session is to draw upon skills acquired from understanding Credit, Ratio, and Cash Flow Analysis to write an effective credit memorandum. The session places emphasis upon knowing how to meet the expectations of credit managers to win their support and those factors or trends that are most important and relevant without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions based upon a thorough analysis of the prospect or borrower.

What You'll Learn

  • Purpose of the Credit Memorandum
  • How to Plan and Organize the Credit Memorandum
  • Writing Mechanics including, Paragraph Development, Word Usage, Proper Use of Transitions, Form, and Appearance
  • What Should be Covered in a Well-Written Credit Memorandum
  • How to Interpret the Results of Credit Ratio and Cash Flow Analysis and to Explain them with Clarity to Readers
  • Knowing your Primary and Secondary Audiences
  • Knowing the Expectations of the Regulators
  • Underwriting and Reporting on Commercial Real Estate, Construction Loans, Acquisition and Development Loans, and Multi-Family Unit Loans

Who Should Attend

This session is ideal for senior loan officers, senior credit officers, board members on loan committees, small business lenders, credit administration personnel, commercial loan officers, consumer loan officers, credit analysts, loan review personnel, compliance officers, internal auditors, and branch managers.

Jeffery Johnson

Instructor Bio

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

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