The financial picture of a small business isn’t always obvious from the financials and credit application. Underwriters have stated that bankers often don’t supply them with enough information to make credit decisions. Underwriters often rely on financials because of the lack of information that could be gained from a solid interview.

Identifying Credit Risk is ideal for bankers who work with credit requests. Using real-world case studies, bankers receive an enhanced understanding of how to identify potentials risks, from trends and ratios, using business-prepared interim financial statements and various business tax returns.

This one and one-half day course builds on a banker’s existing knowledge of small business credit and bank products. In day one, bankers learn to ask the right questions during the initial client interview, and to quickly review financial statements and tax returns to recognize potential risks before submitting a package to underwriting. In addition, bankers will become skilled at prioritizing potential risks so only those 3 to 6 that would most likely not be obvious from the financial data are communicated to underwriters who can then make higher quality (less risk for the bank), quicker credit decisions.

The day two workshop gives bankers hands-on practice analyzing financials, asking the right questions and presenting memos for credit underwriters. Using an additional real-life case study, bankers will apply the interviewing and quick analysis tools introduced in day one to discover significant potential credit risks that would not be obvious from the other documents included in a credit package.

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