What You'll Learn
This course explains how projections can be used to evaluate risk in commercial and agricultural lending. Participants will learn how to assess forecast assumptions, identify key projection inputs, and apply forward-looking analysis when preparing or reviewing credit memos. A primary focus will be on scrutinizing and sensitizing projections to better understand potential repayment capacity and risk exposure. This training is designed for professionals who want to strengthen their underwriting and credit analysis skills.
Topics covered in this course
- Using Projections for Credit Analysis
- Projection Assumptions and Inputs
- Industry Averages
- Historical Trends – Looking back while looking forward
- Commercial & Industrial (C&I) Analysis
- Commercial Real Estate (CRE) Analysis
- Agricultural Analysis
- Stress Testing and Sensitivity Analysis
- Examples
*This course does NOT qualify, nor meet the National Standard for NASBA accreditation.
About the Author:
Joe Davis has been in the banking industry for over 25 years, primarily in commercial credit and lending roles, including serving as Chief Credit Officer of a $1.2 billion community bank. Joe has extensive knowledge of credit analysis, portfolio monitoring, and risk management. Joe earned an MBA from University of Michigan-Flint, a BA in Economics from Michigan State University, and completed the Graduate School of Banking at Colorado.
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