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Breaking Into Banking
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2/26/2020 to 2/27/2020
When: February 26-27, 2020
From 8:30-4:30p & 8:30-12:00p
Where: Delta Marriott Colonial Hotel
2301 Colonial Drive
Helena, Montana  59601
United States
Contact: Pam O'Reilly

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Breaking into Banking

1 ½-day Course

Outline Course Objective: To introduce commercial bankers to the key concepts, terminology, and processes involved in credit and lending Target audience:

Course Summary: New credit analysts, lenders, and underwriters, as well as banking employees who don’t do credit analysis but need a working knowledge of the process. This course doesn’t assume much prior knowledge of the topic, so it’s ideal for those in their first 12 months in the industry. Bankers who attend will walk away with a clear understanding of how commercial banks make money, focusing on how banks decide which companies to lend money to, and what the characteristics of those loans look like. They will also learn how the approval process for commercial loans is different from consumer loans, and how banks grade and track commercial loans once they’re made. Learners will see how their specific role fits into the bank’s overall goals as they learn about twelve key groups in the commercial bank that work together in the lending process. The final portion walks learners through potential career paths beyond Credit and offers tips for long-term success in the industry.


Newer credit analysts, lenders, and underwriters, as well as banking employees who don’t do credit analysis but need a working knowledge of the process. This last category might include commercial loan closers, loan operations specialists, credit support specialists, Branch Managers who are making small business loans, Treasury Management associates, IT / Digital team members who create platforms for Credit and Lending, and even Administrative Assistants who support Credit Officers and Lending Officers.

Duration: In-person workshop: 1 1/2 days; includes 9 hours of facilitation, + breaks

Day 1: Wednesday, February 26, 2020 (8:30 am – 4:30 pm)

1. The Business of Banking:   Why customer relationships matter; Identifying and managing risk; Net interest income vs. fee income

2. Why Businesses Borrow Money: Working capital financing / Cash cycle; Real estate and capital expenditures; Start-ups, buyouts, bridge loans, and losses

3. The Art of Underwriting – Part I: Industry considerations; Life cycle stage of your borrower; Analyzing quality of management

4.  The Art of Underwriting – Part II:  Four levels of quantitative analysis; Balance sheet: liquidity and leverage; Income statement: margins and coverage

5.  Loan Structuring – Part I:  Types of loan facilities; How loan pricing really works; Tenor and amortization

6. Loan Structuring – Part II:  Analyzing your collateral; What loan covenants do for you; The value of guarantees


Day 2: Thursday, February 27, 2020 (8:30 am – noon)


7. The Credit Approval Process:  Courtship and the “life of a loan”; Selling the deal twice – bank and customer; Loan documentation

8. Loan and Portfolio Monitoring:  Understanding “Expected loss”; Loan grading – regulatory definitions; Asset performance and loan loss provisions

9. The Complex Lending Machine:  Internal relationships; Introduction to twelve key banking groups; Critical partnership: Credit and Lending

10. Test Drive Your Job:  A day in the life of a credit analyst; Prerequisite traits for success; Career advice and how to love your job

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