Certified Credit Analyst

Certified Credit Analyst Program

Overview

Gain a working knowledge of the fundamentals of modern credit analysis through the LSU Department of Finance’s Certified Credit Analyst Program.

Covering an overwhelming amount of information in just a few days is a hallmark of many credit analyst training courses. This program is different and allows students to learn at an appropriate pace with time to reflect on what has been presented. We are dedicated to educating, not training, credit analysts. This means focusing on the “what,” “so what,” and “now what” of an issue so the student understands the relevance and applicability of the concepts.

Before the program begins, each participant will complete an assessment of his or her credit competency. The pre-session assessment allows us to offer remedial materials if needed. The goal is to create a common level of proficiency.

The modules will be taught by a combination of faculty and industry experts. Classroom materials and robust discussions ensure that participants understand underlying issues and concepts rather than merely learning to perform tasks.

Another distinctive feature is the assignment of a mentor from the student’s home bank to provide real world perspective to the course materials. Participants will receive assignments to be completed outside the classroom under the supervision of their mentors to ensure that the home bank’s policies and procedures are considered. Program faculty will evaluate the work on a pass/fail basis. If a student does not pass, assistance will be offered in person or via Skype. We are dedicated to ensuring that participants master the material at each level and become contributing members of the home bank’s team upon graduation.

Our model ensures

  • Proper in-class education that focuses on the underlying relevance and importance of course materials
  • Time to reflect on the material outside of the classroom
  • Opportunities to ask questions
  • Mentor supervision to ensure the practical application of knowledge
  • Testing for proficiency to ensure cognition

Skills and knowledge developed through the course

  • Financial statement analysis
  • Credit best practices
  • Loan management
  • Cross-selling additional financial services
  • Written communication (internal memos, credit and risk analysis for loan write-ups, and letters to customers)
  • Verbal communication (presentations, communicating with officers and customers, and conversational competency on standard banking issues)

Who should attend

Credit analysts, management trainees, credit policy personnel, branch managers, and anyone else seeking introductory level education on credit analysis. Ideally, attendees will have a basic understanding of accounting and will have made preliminary attempts at analyzing financial statements at their home institution.

Price: $5,350

Includes all materials and six two-day classroom modules to be held at the LSU Business Education Complex.

Incumbent Worker Training Program (IWTP) & Small Business Employee Training (SBET )Funding: LSU Executive Education is an approved training provider for IWTP and SBET funded training. This means that eligible employers may utilize IWTP or SBET dollars to pay for all or a portion of the registration fees for programs. Through the Louisiana Department of Labor, the IWTP program provides grant funding to eligible companies for customized employee training and the SBET program provides grant funding to eligible companies for standardized employee training. If you have any questions, please do not hesitate to call LSU Executive Education directly at 225-578-5516.

Register online

Location

LSU Business Education Complex
501 South Quad Drive
Baton Rouge, LA 70803

Schedule

The first three modules use materials from the American Bankers Association and will count towards ABA certifications.

Pre-Session Evaluation: Due by January 15

Module One:  January 24 & 25

Chapter 1: Business sectors and operating cycles
Chapter 2: Why businesses borrow
Chapter 3: Business legal structures and life cycles
Chapter 4: Introduction to business financial structures
Chapter 5: How business financial statements are constructed

Module Two: February 28 & March 1

Chapter 6: Income statement analysis
Chapter 7: Balance sheet analysis
Chapter 8: Ratio analysis
Chapter 9: Cash flow analysis
Chapter 10: UCA Model

Module Three: March 28 & 29

Chapter 11: Cash budgets and pro forma statements
Chapter 12: Types of personal financial statements
Chapter 13: Key ratios and adjusted net worth
Chapter 14: Personal tax returns and cash flow
Chapter 15: Combining business and personal cash flow in global cash flow
Preliminary decision making – approval or denial of loan request

Module Four: April 25 & 26

Business Industries – types and structure

  • Real Estate: construction and subdivision
  • Energy
  • Hotels
  • Floorplan lines
  • Asset-based lending
  • Churches

How to assess risk

  • Industry
  • Market
  • Management
  • Credit

Introduction to mitigation

Module Five: May 23 & 24

Understanding loan policy

Loan structures

  • Based on the industry
  • Required covenants
  • Risk mitigation

Loan documentation; looking for conversational competency

  • Loan agreements
  • Loan covenants
  • Loan pricing options, not determination of pricing

Module Six: June 27 & 28

Lending Compliance

  • Ongoing monitoring of covenants
    • Leverage
    • HVCRE
  • Borrowing base compliance
  • Draw requests
  • CECL

Credit ratings

Warning signs and loans that go bad; “spilled milk”

Group work

Credit presentations

Evaluation of Coursework: July 2019

Exit interviews with participants and mentors

Graduation: August 2019