Live Virtual Workshops

Enrollment is now open for these classes in October 2024:
Breaking into Banking 101 (10/16/24) and 201 (10/30/24)

Breaking into Banking 101:

Fundamentals of Commercial Banking

This 1 day live workshop is broken up into ten topics covering everything you need to know to start quickly and advance in your new career. Andy gives you the inside scoop on what banks really want from you and how you can be successful in commercial banking.

Focusing on the reality of the banking world over textbook portrayals of the business, this course will equip you with key concepts and banking terminology and will show you how it all fits together.

This 1 day workshop will be provided over a Zoom video conference, and will include 6 hours of facilitation in addition to breaks. Learners will have access to the recording replay for 30 days following the call.

The 101 workshop is appropriate for newer credit analysts, lenders, portfolio managers, statement spreaders, loan operations associates, interns, and anyone whose job relates to commercial credit and lending.

Workshop Topics

1

The Business of Banking

• Why customer relationships matter

• Identifying and managing risk

• Net interest income versus fee income

2

Why Businesses Borrow Money

• Working capital financing

• Real Estate and capital expenditures

• Start-ups, buyouts, and bridge loans

• Funding losses

3

The Art of Underwriting – Part I

• Commercial risks vs. consumer risks

• Accepting and managing risk

• Qualitative Analysis

4

The Art of Underwriting – Part II

• Crunching the right numbers

• Balance Sheet: liquidity and leverage

• Income Statement: margins and coverage

5

Loan Structuring – Part I

• Types of loan facilities

• How pricing really works

• Tenor and amortization

6

Loan Structuring – Part II

• Mitigating risk: collateral, covenants, and guarantees

• Negotiating the deal

• The sixth “C” of Credit: competition

7

The Credit Approval Process

• Courting your customers

• Selling the deal twice

• Paperwork, paperwork: loan documentation

8

Loan and Portfolio Monitoring

• Regular check-ups with existing customers

• Portfolio metrics and expected loss

• Report cards: asset performance

9

The Complex Lending Machine

• Meeting the neighbors

• Specialty banking

• Government regulators

10

Test Drive Your Job

• A day in the life

• Career paths

• How to love your job

Breaking into Banking 101 - Live Workshop

6 Hours of Facilitation - 30 Day Replay Access

- Wednesday, October 16th, 2024 -
9:00am - 5:00pm EDT / 8:00am - 4:00pm CDT / 7:00am - 3:00pm MDT

$275

one-time payment

If your bank has six or more bankers to enroll, please contact Andy Keusal at andy@keusallearning.com or (614) 634-1474 to discuss a group discount.

Breaking into Banking 201:

Analyzing Repayment Sources

This 9-module online workshop is a “sequel” to the 101 workshop, and is best taken after completion of that workshop, though is not a prerequisite. The 201 course dives deeper into topics covered in modules 4, 6, and 8 of the 101 workshop: analyzing a borrower’s balance sheet, income statement, collateral, and risk ratings.

This workshop is most appropriate for credit analysts, lenders, portfolio managers, and others who need skills in financial statement analysis and writing credit documents.

Workshop Topics

1

Introduction and Overview

• Outline of workshop objectives and topics

• Understanding primary and secondary repayment sources

• Why banks need accurate loan data to estimate credit losses

2

Balance Sheet Analysis, Part I - Analyzing Liquidity

• Better definitions of assets, liabilities, and equity

• Measuring Liquidity: beyond formulas and ratios

• Quality of Current Assets

3

Balance Sheet Analysis, Part II - Analyzing Leverage

• The difference between debt and equity

• How to measure leverage

• Highly leveraged lending

4

Income Statement Analysis, Part 1 - Revenues and Profit Margins

• Analyzing revenues: growth and drivers

• Keys to analyzing gross margin and operating margin

• Why Return on Assets matters

5

Income Statement Analysis, Part II - Coverage Ratios

• Explanation of fixed charges

• EBITDA as a proxy for cash flow

• Measuring debt service coverage and fixed charge coverage

6

Collateral Analysis, Part I - Non-Current Assets

• Why bankers need a back-up plan

• Commercial real estate as a collateral

• How to evaluate fixed assets

7

Collateral Analysis, Part II - Trading Assets

• Understanding self-liquidating collateral

• How to assess the value of inventory

• Analyzing a borrower’s Accounts Receivable

8

Collateral Analysis, Part III - Solving the Problems

• Understanding Accounts Receivable Aging reports

• Borrowing base formulas and certificates

• Unsecured and under-secured loans

9

Risk Ratings, Expected Loss, and Provision for Credit Losses

• Assessing an obligor’s likelihood of repayment

• Dual risk ratings and expected loss

• Provision for Credit Losses and why it matters

Breaking into Banking 201 - Live Workshop

6 Hours of Facilitation - 30 Day Replay Access

- Wednesday, October 30th, 2024 -
9:00am - 5:00pm EDT / 8:00am - 4:00pm CDT / 7:00am - 3:00pm MDT

$275

one-time payment

If your bank has six or more bankers to enroll, please contact Andy Keusal at andy@keusallearning.com or (614) 634-1474 to discuss a group discount.