Credit Analysis Basics

4/9/2026 8:30 AM - 4:00 PM

Presenter: David Osburn

CREDIT ANALYSIS BASICS

Attend this proactive seminar and learn how banks make lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character! The seminar will cover the basics of the three (3) main areas of bank lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life “case studies.”

The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.

Objectives   

• Gain an understanding of how banks make lending decisions based on the five (5) C’s of credit
• Learn about the three (3) main areas of bank lending
• Apply the three areas to individual “case studies”
• Review the basics of loan structure, loan support, documentation, and loan compliance

Target Audience:

Credit analysts, loan assistants, consumer loan officers, residential loan officers, relationship managers, loan documentation specialists, branch managers, private bankers, and business development officers

 

Basic Personal & Business Tax Return Analysis

4/10/2026 8:30 AM - 4:00 PM

Presenter: David Osburn

BASIC PERSONAL & BUSINESS TAX RETURN ANALYSIS

Attend this proactive seminar and gain an understanding of the often complex and confusing topic of TAXES!

Bank personnel are required to obtain and properly interpret tax returns for consumer, mortgage, and commercial lending purposes. The first part of this seminar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns.

The objectives of the first part of the seminar consist of the following:

1. Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms),
2. Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules,
3. Discuss recent changes in the tax code, including the OBBB (One Big Beautiful Bill), and how they affect the bank’s “individual” borrowers/guarantors, and

The second part includes:

1. Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return,
2. Analyze business tax returns and prepare cash flows for these entities,
3. Review tax returns and technology issues, identify fraudulent returns, and describe how tax returns can be used to better market the bank’s products and services, and
4. Discuss updates in the tax code and how they apply to businesses.

Audience

Commercial lenders, credit analysts, mortgage lenders, consumer lenders, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers