![]() ![]() MEET THE PRESENTER - Molly Stull, Brode Consulting Services, Inc. Print materials may be copied for eligible participants only. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. NOTE: All materials are subject to copyright. PDF of slides and speaker’s contact info for follow-up questionsĪttendance certificate provided to self-report CE credits List of online resources for industry analysis ![]() Two sample formats to use to develop/strengthen credit memos Directors on the loan committee will also benefit. This informative session is designed for commercial lenders, credit analysts, loan review personnel, and commercial loan administration professionals. It will go step-by-step through the process and provide samples that illustrate development of a useful, relevant CAM/loan narrative. This session will cover how to develop meaningful write-ups that document the credit request in a clear, concise, organized format. Whether it is a consumer, real estate, or commercial credit, an effective CAM/loan narrative is imperative to address safety and soundness and compliance risk. The underwriter needs a clear and accurate picture to make the best risk-based decision. This information is also used for ongoing account management and documents material developments or changes in the quality or nature of the credit or borrower over the life of the loan. These critical documents are the basis for making the initial credit decision and create a foundation for modifications and renewal decisions as the loan ages. The purpose of the credit analysis memorandum (CAM) and loan narrative is to capture an accurate, complete snapshot of the applicant and credit request. Avoid common examiner criticisms in credit write-ups.Explain the importance of documenting and monitoring loan policy exceptions.Provide a detailed record of strengths, weaknesses, and mitigants.Recognize the importance of the succession plan.Know what examiners look for in a sensitivity analysis (stress testing).Define and consider key financial ratios.Understand the components of credit analysis, including terms, exposure summary, financial analysis, collateral, etc.Identify the objectives of a credit memo to know what to include and exclude.This practical webinar will explain the essentials and even provide sample formats. They can also document workout strategies for problem credits. ![]() Credit memos and loan narratives are crucial to the loan committee, loan officers, and underwriters in making strong credit decisions to loan review officers in understanding a credit being reviewed and to examiners when reviewing your files. ![]()
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