Effective Credit Write Ups

Business Issue

As the financial industry becomes more competitive and risk increases, so does the need for credit underwriters and analysts to complete written loan analysis in a succinct, meaningful way which properly identifies risks and mitigants. Improved credit write-ups lead to more informed,
quicker commercial credit decisions.

Omega Performance’s Solution

Effective Credit Write-Ups (ECWU) is a customised workshop which focuses on the skills necessary to prepare an effective commercial credit write-up. The workshop requires participants to analyse commercial lending opportunities and communicate the results of their analysis in writing. Your organisation’s forms and documents and best practices are incorporated into the training to improve the writing and communication skills of participants. Case studies are used to simulate on the job scenarios in order to directly link the training to improved performance. Participants will use loan scenarios to identify credit strengths and weaknesses and communicate them in write-up format. Since a credit write-up is highly specific to an organisation, this workshop requires customisation: the client provides Omega with a sample credit write-up typical of its preferred content and format, and Omega develops training materials based on each individual organisation’s requirements.

Who Should Be Trained

ECWU is recommended for:

• Lenders
  
• Credit analysts and underwriters
  
• Loan review staff
  
• Management trainees

Results You Can Expect

Effective Credit Write-Ups will:

• Help participants clearly communicate strengths and weaknesses
  
• Increase efficiency of approval process
  
• Create a common process throughout the organisation
  
• Make the credit write-up more compelling
  
• Focus on the “whys” instead of the “whats”

Audience

Beginner Audience - This audience would include management trainees and underwriters who have not been provided with formal credit training. Pre-work consisting of Commercial Loans to Small Business or Commercial Loans to Business. Intermediate - This audience would include credit analysts and underwriters with experience who need to fine tune their written communication skills to better convey credit risk. Participants should have a solid grasp of credit analysis and experiences assessing commercial credit risk.

What Is Included

The Effective Credit Write-Ups program teaches participants how to concisely tell the customer story and make the write-up more compelling by focusing on the “whys” instead of the “whats”.

UNIT 1:
What does good look like, addressing the importance of telling the story and adding value to the process by “getting to the whys”.

UNIT 2:
Reworking the credit write-up helps participants uncover additional information through questioning to improve the quality of the information gathered.

UNIT 3:
Making the write-up work for you provides the participants with tips on how to make presentations more compelling and the importance of having an opinion.

UNIT 4:
Writing a Financial Statement Analysis helps participants understand the importance of addressing risks inherent on the income statement, balance sheet, footnotes and the quality and sustainability of earnings.

Delivery Options

Online or paper-based self-study of commercial lending modules (30-50 hours). Omega Performance offers flexible delivery options, including print self-study only with coaching, print self-study plus workshop, workshop only with minimal pre-work, and online with print accompaniment.

Learning Method: