7 Habits of Effective Credit Administration...

7 Habits of Effective Credit Administration Seminar

Wednesday, April 4, 2018
PACB Headquarters – 2405 N. Front St., Harrisburg



To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM



Imagine finding yourself suddenly in a senior credit administration position at your bank due to required personnel changes as a result of frequent credit losses; Or, your bank’s credit administration seems disconnected, un-organized and free flowing and lacks effective management oversight; Or you are in a lending position and the credit administration function at your bank fails to provide structure, guidance and leadership. If any of these scenarios point to you or your financial institution, this course will address the factors you need to know to make a positive difference in the credit administration at your bank.

Specifically, this course is intended to provide guidance on how to develop and maintain a Credit Administration function that will provide guidance to anyone involved in the credit function of the bank and to insure safeguards are in place to manage the bank’s loan portfolio in a safe and sound manner. This principle is paramount especially in this economic environment and close scrutiny being applied by the regulatory authorities.

There are seven distinct characteristics well managed and successful banks have in their Credit Administration area. This course will evaluate the reasoning and requirements for each of these characteristics so that the participant can begin the process of developing such a culture within their respective organization. The seven characteristics are as follows:

1. Well Defined Credit Culture Established and Supported by
2. Highly Effective Risk Assessment and Credit Underwriting System by
3. Highly Effective Credit Committee that
4. Utilize Credit Risk Rating to Identify Risk in the Loan Portfolio
5. Loan Documentation Procedures that will:
6. Effective Loan Portfolio Management by:
7. Calculating and Maintaining an Adequate Allowance for Loans and Lease Losses

At the end of this session, the participant will have a good road map to build and manage an effective credit administration area of the bank and to satisfy regulators’ requirement to operating a safe and sound bank from a credit risk perspective.



Bank Accountants, Consumer Lenders, CEOs & Presidents, Commercial Loan Officers, Senior Credit Officers,  Branch Managers, Chief or Senior Loan Officers,  Consumer Loan Officers , Commercial Loan Officers Loan Review Personnel



Six (6) hours of credit for CPE and CCL will be offered for completion of this program.



8:00am: Registration
8:15am: Program
10:15am: Break
10:30am: Program
12:30pm: Luncheon
1:15pm: Program
3:30pm: Adjournment



Jeffery W. Johnson, Senior Consultant

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).

Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.

Mr. Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide.