How to Craft an Effective Commercial Loan Write-Up 2022 | Independent Community Bankers of America (ICBA) | 20 September 2022 | Webinar

This webinar will cover the basics of how to craft an effective commercial loan write-up. The session will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation).
The financial analysis section will highlight liquidity, activity, leverage, operating performance, and cash flow analysis. Additionally, the Z-score bankruptcy predictor will be reviewed.

The session will also cover additional important loan write-up items including assessing the company’s strategic plan - marketing, financing, and management. Also, the risk assessment and mitigation section will be used to summarize the loan presentation. Three standard commercial loan write-ups will be presented in order to illustrate the concepts.

Learning Objectives:
• Review effective commercial loan write-ups.
• Discuss types, styles, and components parts.
• Cover the financial analysis section.
• Assess the company’s strategic plan and management’s strengths/ weaknesses.
• Analyze the risk assessment and mitigation section as a summary of the loan presentation.
• Summarize the concepts by reviewing three loan write-ups.

2022 Speaker

David Osburn
Owner, David L. Osburn & Associates, LLC