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Credit analysis is the process of identifying and evaluating a borrower’s ability to repay a specific extension of credit while following prudent lending practices that comply with safety and soundness standards. Learn the ins and outs of underwriting to ensure success of your company’s credit department. This proactive topic will explore the basics of managing the company’s credit function including the five C's of credit, the credit department, the legal environment of credit, credit policy and credit investigations. Additionally, the topic will include a review of credit fraud, making trade credit decisions, customer visits, working with the
sales department and bankruptcy proceedings.
Key Learning Objectives- Recognize the five "Cs" of credit (capacity, capital, collateral, conditions, and character)
- Define the basics of the three (3) main areas of bank lending- consumer, mortgage, and commercial lending
- Explore credit underwriting, the legal environment of credit, credit policy, and credit investigations
- Review credit decisions, credit fraud, and customer visits
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 | David Osburn
David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. He has 17 years experience as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender. | |
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