Developing & Delivering an Effective Loan Presentation

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Credit memo, loan approval, credit request, loan presentation, etc. – regardless of the vernacular, an effective loan presentation delivered to an approving authority establishes a crucial cornerstone in credit risk management. Whether the audience is the loan committee, board, auditors, or examiners, the loan presentation must communicate the pertinent elements of creditworthiness and identify circumstances that present or elevate perceived credit risk. This webinar will extensively outline the elements of a highly effective loan presentation that properly communicates known risks while highlighting mitigating factors. The five Cs of credit will be used in developing the loan presentation, adding a sixth and seventh C of credit to consider.  


  • Benefits of a highly effective loan presentation 
  • Need for a comprehensive loan presentation
  • Understand the potential audience beyond the approving authority (i.e., auditors and examiners)
  • Potential for a more efficient approval process 
  • Development of complete narrative information surrounding the credit request 
  • Financial analysis narrative that effectively tells the borrower’s story, eliminating “elevator” analysis
  • Industry analysis – when it is meaningful; recognizing the pitfalls
  • How to strengthen the collateral analysis in the loan presentation 
  • Defining the credit risk grade, including regulatory definitions of criticized and classified credits
  • Periodic review of credits and monitoring the credit after origination, including the annual review


  • Outline of an effective loan presentation, including narrative summary 
  • Employee training log
  • Quiz to measure staff learning and a separate answer key

This informative session is designed for staff who develop loan presentations, including credit analysts, loan officers, senior credit officers, and other lending personnel. It will also benefit the end-users, including directors, loan committee members, and senior management with credit approval authority.

ABOUT THE PRESENTER – Aaron Lewis, Young & Associates, Inc.
Aaron Lewis is a senior consultant at Young & Associates, Inc. With over 15 years in the banking industry, his expertise is now dedicated to the lending division of Young & Associates where he assists financial institutions with loan, ALLL, policy, and credit-process and compliance reviews. He also conducts seminars on credit risk and compliance.

Prior to joining Young & Associates, Aaron was the Vice President Credit Administrator of a community financial institution in southeast Michigan and managed all facets of the lending function, including originations, underwriting, ALLL analysis, servicing, and secondary market compliance. He holds a Bachelor’s in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.

Originally recorded on May 9, 2019.

Recorded webinar is available until December 31, 2019.

Free Digital Copy included with purchase to download and view beyond link expiration date.

Price includes sales tax.