Credit Risk Training For Financial Institutions | Herter Associates | Continuing Education for Experienced Lenders and Management

Herter Associates offers a Continuing Education curriculum designed for the experienced credit professional. These seminars reinforce the technical and relationship skills that allow lenders and credit officers to address their customers’ commercial banking needs while effectively managing credit risk. Seminars combine lectures, case discussion and group presentations while “lessons learned” are weaved into the material. Case studies are based on real companies and lending situations.

Fundamentals of Banking	1 day
Participants examine their own bank’s financial statements and key operating ratios to gain an understanding of how a bank makes money and how credit, market and operating risks can affect a bank’s performance. The seminar also examines the root causes of the Subprime Crisis and the effects that subprime loans, mortgage-backed securities, CDOs and credit default swaps have had on operating performance and the quality of the balance sheet.

Advanced Credit Skills for the Experienced Analyst	2 days
This seminar focuses on how to proactively manage a deteriorating credit with the dual objectives of preserving a sound relationship with the client while protecting the bank’s capital. Participants learn how to detect early warning signs of deterioration and subsequent actions available to protect the bank.

Capstone Credit Seminar	1.5 days
Herter Associates will lead a workshop giving senior management an opportunity to investigate and discuss their institution’s core credit principals and values. Using a case study as a backdrop, senior management will discuss key analytical techniques that become the foundation of a sound credit underwriting process. The content and themes of the following 2 seminars will be customized to reflect your bank’s core credit principals and underwriting criteria developed in the Capstone Credit Workshop.

Cash Flow Analysis	2 days
This course reviews how to interpret the full range of cash flow formats. Emphasis is placed on how these statements reveal borrowing causes and a company’s ability to repay debt. Particular attention is paid to your bank’s specific calculation of free cash flow and required debt service coverage ratios. Through case studies, participants will discuss “how much debt is right” for a given company using a variety of techniques.

Loan Structuring	2 days
This seminar reviews the different loan structures that can be used to address a variety of client borrowing needs. Focus is placed on matching facility type with borrowing cause as well as covenant design to protect the bank’s sources of repayment. Through case studies, participants design sound financing structures that address the customer’s needs while protecting the bank and living within its risk underwriting criteria.