The five Cs of commercial credit are fundamental tenants of lending and credit. Most know the basic principles, but this informative presentation provides a more detailed framework for ensuring consideration of the basic tenants before lending the institution’s money or extending credit. An analyst needs to consider these five critical areas to mitigate risk:
The five Cs of credit should become imbedded in the minds of every analyst. These five are helpful for analysts to use to build a framework ensuring that they have considered every important facet of credit risk. It is a good idea to mentally review each of the five Cs for every credit analyzed.
Please join Gary Deutsch, CPA MBA, as he discusses how credit analysts can use the five Cs of credit to assess loan risk and assist with the lending decision-making process. This material can be helpful to new credit analysts as well as a refresher for more experienced analysts.
WHAT YOU’LL LEARN
In this informative webinar, we will cover:
- The components of character and how to assess a borrower’s character
- The meaning and importance of capacity and financial tools used to evaluate capacity
- The meaning and importance of capital and how to assess the capital adequacy of businesses and individuals
- The meaning and importance of conditions and how to assess conditions in lending, including international lending
- An overview of collateral and how to assess collateral coverage
- And MUCH MORE!
YOUR CONFERENCE LEADER
Your conference leader for " Five Cs of Credit – A Deeper Dive” is Gary Deutsch, president, BRT Publications LLC. Mr. Deutsch is a licensed CPA in Maryland and has a B.A. in accounting and an MBA in finance from Loyola University Maryland. He has also achieved the Certified Management Accountant, Certified Internal Auditor and Certified Bank Auditor designations. Mr. Deutsch is the founder and president of BRT Publications LLC. Mr. Deutsch has trained thousands of financial institution professionals in all aspects of risk management and has written numerous books in the U.S. and Europe on topics such as credit risk, internal audit and compliance with Generally Accepted Accounting Principles. Mr. Deutsch has extensive risk management and internal audit experience through his association with financial institutions of all sizes as well as through his role leading the KPMG financial institution consulting practice in the Mid-Atlantic region.