Managing the Credit Approval Process (Part 1)


Tuesday, Jun 8, 2021


9:00 - 11:30am

Fee After

  • Non-Affiliate: $375.00
  • Affiliate: $300.00

Cancelation Policy


Event Details

3 Day Course: Tuesday, June 8 – Wednesday, June 9 – Thursday, June 10
9:00 - 11:30am via Zoom

This course provides an informal process to move through the credit process and managing each step from prospecting to post close monitoring. The emphasis is on effectively communicating the credit risk associated with the client within the credit presentation.

Points on prospecting, building the request, analysis, structure and monitoring of the closed financing are all shared in the context of building the credit presentation properly. Expectations are set on various industries and loan types to assure that the qualitative analysis is complete. A full analysis of the cash to cash cycle, the cash cycle, using the right cash flow method, structuring debt, as well as management assessment is included.

The goal of the analysis is to boil down the presentation without losing effectiveness. If you cannot say it succinctly and get to the point, you do not understand it or do not believe in it. The key take away is the understanding that an Underwriter and Banker job is not making a loan, but managing credit risk.

This is a foundation course being offered by RMA-MN that sets the stage for further learning.

Course Coverage:

  • Presentation of an informal model to advance the client from prospect to client organizing the lender and their team through the process.
  • Financial statement analysis of key information, setting expectations for the core cash drivers, cash to cash cycle, cash cycle, UCA Cash Flow and the impact each will have on the credit risk of the borrower.
  • Writing concise credit presentations that focus on the core credit risk associated with the specific borrower, industry, type of loan structure, management and marketplace impact.
  • Monitoring existing borrowers for early warning signs of trouble or areas of opportunities to expand the relationship.

Recommended Participants: Credit Analysts, Underwriters and Commercial Bankers of all levels.

Needed Items: Pen/Pencil, Calculator, Fully Charged Lap and access to zoom

BRAD STEVENS is the founder of Stevens Risk Management, LLC which specializes in credit training and consulting for both the finance and manufacturing industry. He has over 30 years of experience in banking that included leading two banks out of troubled credit positions, identifying the deteriorating credits, working directly or with lenders in rehab and exit strategies as well as rebuilding the credit cultures to avoid future credit problems. As a banker Brad built strong credit portfolios based on the core approaches that he now shares in his training programs. Brad brings a unique hands on experience to his training sharing real world examples that resonate with those in attendance at presentations. He believes strongly in the philosophy of Making Banking Better through Bankers Training Bankers.

Certificate of Achievement Requirements:

  • Attendees must attend (via Zoom) all three 2 ½ hour sessions: June 8, 9 and 10 (9 – 11:30am).
  • Attendees must complete 2 surveys: The 1st survey will be sent immediately after the last session on Thursday and the 2nd survey will be sent June 30th.


Contact For More Information

Brenda Ryan
RMA Minnesota Chapter Administrator / 763-486-7219

Contact if you would like to sponsor

Cancelation Policy

Cancellations will be not be refunded unless the instructor cancels the course.  If participant is unable to attend, the registration fee can be applied to a future RMA-MN local course.  Substitutions are allowed as long as the chapter administrator is notified 24 hours prior to the course, however any difference in the applicable registration fee will be requested.

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